SUGENG RIYANTO; USWATUN KHASANAH. Determinan Personal Financial Management Behavior pada Pelaku UMKM di Kecamatan Mranggen. Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen, [S. l.], v. 4, n. 3, p. 01–27, 2025. DOI: 10.30640/inisiatif.v4i3.4057. Disponível em: https://jurnaluniv45sby.ac.id/index.php/Inisiatif/article/view/4057. Acesso em: 8 mar. 2026.