Ananda, Dhea Resthy, Muhammad Ilham Pakawaru, Sugianto Sugianto, and Rika Febby Rhamadhani. “Financial Literacy: Its Paradoxical Effect on MSME Financial Management in the Digital Era”. Advances in Taxation Research 4, no. 3 (July 29, 2026): 172–188. Accessed August 19, 2026. https://advancesinresearch.id/index.php/ATR/article/view/954.