Mbere, V., and H. Safitri. “The Effect Of Financial Literacy And Income On Credit Taking Decisions With Financial Behavior As A Moderating Variable In Pontianak City MSMES”. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, Vol. 12, no. 3, July 2024, pp. 2965–2976, doi:10.37676/ekombis.v12i3.6083.