ISMANTO, H.; PRATIWI, T. .; ZULIANTI, N. .; QOFUR, A. A. . THE ROLE OF COMPETENCIES, FINANCIAL PLANNING, AND ACCESS TO FINANCE IN EXPLAINING SMEs FINANCIAL INNOVATION. Jurnal Manajemen dan Kewirausahaan, [S. l.], v. 24, n. 1, p. 44-51, 2022. DOI: 10.9744/jmk.24.1.44-51. Disponível em: https://jurnalmanajemen.petra.ac.id/index.php/man/article/view/23841. Acesso em: 5 may. 2024.