Putri Utami, S., and Y. Toto. “Financial Knowledge, Socialization, and MSME Financial Management Behavior: Evidence from a Perceived Behavioral Control Perspective”. Journal of Business Economics : Needs, Services, and Money, vol. 1, no. 2, Jan. 2026, pp. 51-57, https://jurnal-ibei.com/index.php/JEBI/article/view/14.