FINANCIAL MANAGEMENT BEHAVIOR PELAKU UMKM DAERAH WISATA PESISIR MADURA: INCOME, FINANCIAL LITERACY, & FINANCIAL SELF-EFFICACY. AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi, [S. l.], v. 15, n. 1, p. 48–60, 2023. DOI: 10.35457/akuntabilitas.v15i1.2686. Disponível em: https://ejournal.unisbablitar.ac.id/index.php/akuntabilitas/article/view/2686. Acesso em: 10 dec. 2025.