“Financial Literacy on Saving Behavior in MSMEs with Social Influence as an Intervening Variable”. Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum 5, no. 2 (Oktober 23, 2021): 24–37. Diakses Oktober 17, 2026. https://jurnal.abulyatama.ac.id/index.php/humaniora/article/view/2036.