Shieh, Jane Gloria, Putri Wahyuni, and Albert herlambang. “The Effect of Financial Literacy and Financial Management on Financial Well-Being in MSMEs Medan Helvetia District”. PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) 4, no. 1 (December 10, 2025): 24–36. Accessed April 22, 2026. https://conference.eka-prasetya.ac.id/index.php/IBEC/article/view/335.