Efriyani sumastuti, C. Tri Widiastuti, Rizka Ariyanti, and Ali Imron. “ Financial Literacy’s Moderating Role in Savings and MSME Sustainability: Evidence from Central Java, Indonesia”. Quantitative Economics and Management Studies 6, no. 4 (August 31, 2025): 659–668. Accessed April 25, 2026. https://qemsjournal.org/index.php/qems/article/view/4107.