Parulian P, Tan E. The Effect of Financial Access, Financial Literacy and Financial Experience on MSME Financial Behavior. daengku j. hum. soc. sci. innov. [Internet]. 2024 Jun. 7 [cited 2026 Nov. 9];4(4):550-9. Available from: https://jpabdimas.idjournal.eu/index.php/daengku/article/view/2564