Hanif Mauludin, Ayu Baldiatus Subhie, & Yuyuk Liana. (2024). THE EFFECT OF FINANCIAL KNOWLEDGE, SELF-EFFICACY AND PERSONALITY ON FINANCIAL PERFORMANCE WITH FINANCIAL GOVERNANCE AS AN INTERVENING VARIABLE IN MSME ACTORS. International Journal of Social Science, Management and Economics Research, 2(6), 8–17. https://doi.org/10.61421/IJSSMER.2024.2602