MANAJEMEN KEUANGAN UMKM: LOVE OF MONEY, FINANCIAL SELF-EFFICACY, DAN FINANCIAL TECHNOLOGY PAYMENT. AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi, [S. l.], v. 17, n. 1, p. 1–14, 2025. DOI: 10.35457/akuntabilitas.v17i1.4024. Disponível em: https://ejournal.unisbablitar.ac.id/index.php/akuntabilitas/article/view/4024. Acesso em: 2 feb. 2026.