ANANDA, D. R.; PAKAWARU, M. I.; SUGIANTO, S.; RHAMADHANI, R. F. Financial Literacy: Its Paradoxical Effect on MSME Financial Management in the Digital Era. Advances in Taxation Research, [S. l.], v. 4, n. 3, p. 172–188, 2026. DOI: 10.60079/atr.v4i3.954. Disponível em: https://advancesinresearch.id/index.php/ATR/article/view/954. Acesso em: 19 aug. 2026.