Ahmad Rivaldo Tarigan and Austin Alexander Parhusip (2026) “THE EFFECT OF FINANCIAL LITERACY, E-WALLET USAGE AND BUSINESS FINANCIAL PLANNING ON MSME FINANCIAL MANAGEMENT IN MEDAN CITY”, Journal of Accounting Research, Utility Finance and Digital Assets, 4(4), pp. 2626–2638. Available at: https://jaruda.id/index.php/go/article/view/506 (Accessed: 9 October 2026).