TRIVENA, Shinta Maharani; SAIFI, Muhammad; MAWARDI, Mukhammad Kholid; IMAMAH, Nur. Financial Literacy, Credit Access, and Financial Decision-making: An Integrated Framework for Micro-enterprises. KnE Social Sciences, [S. l.], v. 10, n. 13, p. 227–249, 2025. DOI: 10.18502/kss.v10i13.18964. Disponível em: https://knepublishing.com/index.php/KnE-Social/article/view/18964. Acesso em: 4 sep. 2025.