Mahya, Yuszak, Nanny Dewi, and Wiyas Yulias Hasbu. “The Influence of Business Owner Characteristics, Financial Literacy, and Financial Inclusion on Business Capital Choice Decision and Its Implications for Business Growth”. Eduvest - Journal of Universal Studies 5, no. 7 (July 14, 2025): 9395–9412. Accessed October 5, 2025. https://eduvest.greenvest.co.id/index.php/edv/article/view/51816.