Muhammad Yusra, Nur Afni Yunita, Sri Mulyati, Rany Gesta Putri Rais and Mardiaton 2025. THE EFFECT OF FINANCIAL LITERACY, FINANCIAL BEHAVIOR, DIGITAL PAYMENT, AND THE ABILITY TO PREPARE FINANCIAL REPORTS ON THE PERFORMANCE OF MSMES IN LHOKSEUMAWE CITY. Multidiciplinary Output Research For Actual and International Issue (MORFAI). 5, 6 (Jul. 2025), 3491–3498. DOI:https://doi.org/10.54443/morfai.v5i6.3576.