S, H. A.; SUPRIADI, I.; SARI, A. K. Pengaruh Literasi Keuangan dan Financial Technology Terhadap Perilaku Manajemen Keuangan UMKM di Kota Surabaya. JOURNAL OF ECONOMICS, BUSINESS, MANAGEMENT, ACCOUNTING AND SOCIAL SCIENCES, [S. l.], v. 3, n. 6, p. 379–388, 2025. DOI: 10.63200/jebmass.v3i6.220. Disponível em: https://putrajawa.co.id/ojs/index.php/jebmass/article/view/220. Acesso em: 9 sep. 2026.