Soamole, Bakri, and Mohammad Khotib. “The Effect of Human Resources, Financial Literacy, Financial Management, and Access to Capital on MSME Financial Performance ”. Research Horizon 6, no. 2 (April 30, 2026): 835–848. Accessed May 1, 2026. https://journal.lifescifi.com/index.php/RH/article/view/1072.