JAYA, A. . Determination of financial literacy, financial inclusion, and access to financing on the performance of small and medium enterprises in wajo regency. International Journal of Applied Finance and Business Studies, [S. l.], v. 13, n. 1, p. 70–77, 2025. DOI: 10.35335/ijafibs.v13i1.347. Disponível em: https://ijafibs.pelnus.ac.id/index.php/ijafibs/article/view/347. Acesso em: 18 apr. 2026.