Khairunnisa, Firstia Nurlaili, et al. “Financial Literacy and Financial Planning Factors on Financial Behavior in MSME Actors Providing Agricultural Production Facilities”. Pubmedia Social Sciences and Humanities, vol. 1, no. 3, Dec. 2023, p. 17, https://digital-science.pubmedia.id/index.php/pssh/article/view/156.