Bilqis Tarwiyah. “Understanding Human Potential In The Ai Era: Implications For Financial Management Practices In Micro, Small And Medium Enterprises”. Journal of Management and Creative Business 1, no. 4 (October 31, 2023): 462–472. Accessed April 20, 2025. https://jurnaluniv45sby.ac.id/index.php/jmcbus/article/view/2399.