Kartiwa, A., Hidayat, G., Lisbet, Z. T., & Siagian, A. O. (2024). Impact of Financial Literacy, Risk Tolerance, Usefulness Perception, and Trust Perception on Financial Decision of MSMEs in West Java. International Journal of Business, Law, and Education, 5(2), 2394 - 2404. https://doi.org/10.56442/ijble.v5i2.869