Mbere V, Safitri H. The Effect Of Financial Literacy And Income On Credit Taking Decisions With Financial Behavior As A Moderating Variable In Pontianak City MSMES. EKOMBIS [Internet]. 16Jul.2024 [cited 22Jul.2024];12(3):2965–2976. Available from: https://jurnal.unived.ac.id/index.php/er/article/view/6083