Rahmawati A, Mahardian Mustiko Nugroho, Siti Marwati, Nabila Qotrunnada, Marcos Lafu Caunan, Hari Tripanto Silitonga, et al. INTEGRASI SMART FINANCIAL HABITS DAN PEMBUKUAN SEDERHANA PADA PELAKU UMKM. sabangka [Internet]. 2026 Jan. 31 [cited 2026 Jun. 27];5(01):162-70. Available from: https://azramedia-indonesia.azramediaindonesia.com/index.php/sabangkaabdimas/article/view/2072