“MANAJEMEN KEUANGAN UMKM: LOVE OF MONEY, FINANCIAL SELF-EFFICACY, DAN FINANCIAL TECHNOLOGY PAYMENT” (2025) AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi, 17(1), pp. 1–14. Available at: https://ejournal.unisbablitar.ac.id/index.php/akuntabilitas/article/view/4024 (Accessed: 2 February 2026).