Tanto, Tanto. “Financial Literacy and the Use of Financial Ratios in Improving MSME Performance in Indonesia: JEL Classification: G53, G32, M41, L26, O16”. Journal of Management and Administration Provision 6, no. 2 (June 15, 2026): 357-367. Accessed June 17, 2026. https://psppjournals.org/index.php/jmap/article/view/987.