BERNANDO, F. O.; PRINGGONDANI. Financial access, financial literature, and financial experience and the impact on MSMEs’ financial behavior . Jurnal Mantik, [S. l.], v. 6, n. 4, p. 3800-3807, 2023. DOI: 10.35335/mantik.v6i4.3107. Disponível em: https://iocscience.org/ejournal/index.php/mantik/article/view/3107. Acesso em: 21 aug. 2026.