Amri, Anjar Faishal, and Iramani Iramani. “Pengaruh Literasi Keuangan Terhadap Kinerja Umkm Di Surabaya”. Journal of Business & Banking, vol. 8, no. 1, Oct. 2018, pp. 59-70, https://doi.org/10.14414/jbb.v8i1.1522.