Safitri I, Takarini N. The influence of financial knowledge, education level, and personality on financial management behavior among MSME owners in Kampung Kue Rungkut, Surabaya. JoM [Internet]. 27Jul.2026 [cited 5Aug.2026];19(2):1959-68. Available from: https://ejurnal.undana.ac.id/index.php/JEM/article/view/29422