Anita Handayani, Fazlur Rahman Rahawarin, Ery Tri Djatmika Rudijanto, Wahju Wardhana, & Puji Handayati. (2022). Determinants of SMEs Financial Behavior in Gresik with Financial Literacy as an Intervening Variable. International Journal Of Humanities Education and Social Sciences (IJHESS), 2(3). https://doi.org/10.55227/ijhess.v2i3.308