Y. Yusbardini, M. Safii, P. Dr. Muhardi, S.E., M.M., and P. Dr. Tasya Aspiranti, S.E., M.M, “The Effect of Financial Knowledge, Financial Literacy, and Financial Technology on MSME Performance”, IJSSRR, vol. 9, no. 5, pp. 313-320, Apr. 2026.