AL BERTO, M.; SAMSURI , A. . Beyond Access to Finance: Financial Literacy and Managerial Effectiveness among MSMEs in Bantul Regency. Journal of Integrative Sustainability and Ethics, [S. l.], v. 1, n. 1, p. 96–110, 2025. DOI: 10.15642/jibec.2025.1.1.96-110. Disponível em: https://jurnalpps.uinsa.ac.id/index.php/jibec/article/view/886. Acesso em: 22 feb. 2026.