Rizki, Salsa, Heni Safitri, and Dedi Hariyanto. “The Effect of Financial Literacy, Financial Attitude, and Digital Transaction Adoption on MSME Financial Management in the F&B Sector in Pontianak”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) 9, no. 1 (April 10, 2026): 9153-9165. Accessed June 13, 2026. https://e-journal.uac.ac.id/index.php/iijse/article/view/9617.