MANAJEMEN KEUANGAN UMKM: LOVE OF MONEY, FINANCIAL SELF-EFFICACY, DAN FINANCIAL TECHNOLOGY PAYMENT. akuntabilitas [Internet]. 2025 Jun. 27 [cited 2025 Dec. 10];17(1):1-14. Available from: https://ejournal.unisbablitar.ac.id/index.php/akuntabilitas/article/view/4024