MUSAFIR, Musafir; SOLIKAHAN, Eka Zahra; ARIAWAN, Ariawan. Financial Decision-Making of Female Culinary MSME Entrepreneurs in Gorontalo City: Integrating Digital Financial Literacy, Financial Capability, and Spending Behavior within Financial Behavior Theory. International Journal of Management Science and Information Technology, [S. l.], v. 6, n. 1, p. 340–347, 2026. DOI: 10.35870/ijmsit.v6i1.6577. Disponível em: https://journal.lembagakita.com/IJMSIT/article/view/6577. Acesso em: 20 apr. 2026.