Purba, Djuli Sjafei, Sri Martina, dan Ferdila Ferdila. “The Influence of Financial Literacy and Access to Capital on the Financial Performance of MSMEs in Pematang Siantar City ”. Jurnal Ilmiah Accusi 7, no. 1 (Mei 30, 2025): 254 – 264. Diakses Oktober 31, 2025. http://jurnal.usi.ac.id/index.php/jia/article/view/1701.