Susana Ema Kelen, Risal Rinofa, Pristin Prima Sari. IMPROVING THE FINANCIAL PERFORMANCE OF MSMES IN UMBULHARJO, YOGYAKARTA THROUGH FINANCIAL LITERACY, FINANCIAL INCLUSION, AND ENTREPRENEURIAL ORIENTATION. MORFAI [Internet]. 2025 Nov. 25 [cited 2025 Nov. 26];5(6):8282-94. Available from: https://radjapublika.com/index.php/MORFAI/article/view/4504