S. I. Sari, I. Y. Rahmawati, N. Nazah, and R. F. Utami, “The Influence of Financial Literacy, Income and Self-Control on the Financial Behaviour of MSMEs in Pemalang Regency”, J. Ekon. Manaj. Akunt., vol. 12, no. 2, pp. 1603–1613, Apr. 2026, doi: 10.35870/jemsi.v12i2.6274.