FINANCIAL MANAGEMENT BEHAVIOR PELAKU UMKM DAERAH WISATA PESISIR MADURA: INCOME, FINANCIAL LITERACY, & FINANCIAL SELF-EFFICACY. akuntabilitas [Internet]. 2023 Jul. 31 [cited 2025 Dec. 10];15(1):48-60. Available from: https://ejournal.unisbablitar.ac.id/index.php/akuntabilitas/article/view/2686