Lesmana, A. W. ., & Hidayat, S. . (2023). THE INFLUENCE OF EDUCATIONAL BACKGROUND, FINANCIAL LITERACY, AND FINANCIAL PLANNING ON THE FINANCIAL BEHAVIOR OF MSME (CASE STUDY IN MSMES IN THE JAMBANGAN SUB-DISTRICT, SURABAYA CITY). International Journal of Economy, Education and Entrepreneurship (IJE3), 3(3), 783–795. https://doi.org/10.53067/ije3.v3i3.206