Susana Ema Kelen, Risal Rinofa and Pristin Prima Sari 2025. IMPROVING THE FINANCIAL PERFORMANCE OF MSMES IN UMBULHARJO, YOGYAKARTA THROUGH FINANCIAL LITERACY, FINANCIAL INCLUSION, AND ENTREPRENEURIAL ORIENTATION. Multidiciplinary Output Research For Actual and International Issue (MORFAI). 5, 6 (Nov. 2025), 8282–8294. DOI:https://doi.org/10.54443/morfai.v5i6.4504.