Djaniar, Upik, Fitriningsih Amalo, and Hajrah Arifin. “Financial Literacy, Financial Inclusion, Digital Financial Capability Mediated By Personal Finance On The Sustainability Of Smes In Food And Beverage Smes In Kupang City”. International Conference On Economics Business Management And Accounting (ICOEMA) 4, no. 1 (July 11, 2025): 449-471. Accessed January 12, 2026. https://conference.untag-sby.ac.id/index.php/icoema/article/view/5612.