RAHMA, A.; ANANDA, B. P.; FAUZIAH, I.; WULANDARI, S. A. P.; SETYANINGRUM, R. P. Pengaruh Literasi Keuangan dan Modal Usaha Terhadap Keunggulan Kompetitif UMKM Di Wilayah Cikarang . Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 4330–4345, 2025. DOI: 10.31004/joecy.v5i2.705. Disponível em: https://joecy.org/index.php/joecy/article/view/705. Acesso em: 16 oct. 2026.