Ismanto, Hadi, and Silviana Pebruary. “The Role of Manager Behavior in Explaining The Financial Planning and Financial Innovation of Small and Medium Enterprises”. Indonesian Journal of Business and Entrepreneurship 9, no. 1 (January 31, 2023): 36. Accessed December 28, 2025. https://journal.ipb.ac.id/ijbe/article/view/43480.