Hidayat, Sarwawan, and Fuad Ramdhan Ryanto. “The Effect of Financial Literacy, Financial Inclusion, and the Ability to Prepare Financial Statements on the Financial Performance of MSMEs in the Trade Sector in Pontianak”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) 9, no. 1 (April 11, 2026): 9279-9292. Accessed April 21, 2026. https://e-journal.uac.ac.id/index.php/iijse/article/view/9770.