MANAJEMEN KEUANGAN UMKM: LOVE OF MONEY, FINANCIAL ATTITUDE DAN FINANCIAL SELF-EFFICACY. akuntabilitas [Internet]. 2024 Dec. 31 [cited 2025 Dec. 10];16(2):1-14. Available from: https://ejournal.unisbablitar.ac.id/index.php/akuntabilitas/article/view/4023