S. Wahyulina, E. Suryani, A. Saufi, and H. Sudiartha Athar, “EFFECT OF FINANCIAL LITERACY, EDUCATION LEVEL AND GENDER ON THE GROWTH OF SMES: EMPIRICAL STUDY ON THE COVID19 PANDEMIC CONDITIONS”, JMM UNRAM, vol. 12, no. 1, pp. 53–63, Oct. 2023.