N. L. A. P. Ningsih, M. Y. . Firdaus, I. M. W. Putra, I. B. U. . Putra, I. A. Surasmi, and N. N. S. Ekayani, “Smart Money Moves: The Role of Financial Literacy & Inclusion in Boosting SME Performance in Indonesia”, oec, vol. 15, no. 1, pp. 3–21, Mar. 2026, doi: 10.15291/oec.4721.