Ciptawan, Ciptawan. “The Multifaceted Influence of Financial Literacy and Education on SME Financing Decisions in Different Economic Contexts”. INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW 2, no. 2 (April 28, 2021): 47-57. Accessed March 12, 2025. https://mail.ijospl.org/index.php/ijospl/article/view/155.