Handayani, Anita. “DETERMINANTS OF FINANCIAL BEHAVIOR OF SMES IN GRESIK CITY WITH STRUCTURAL EQUATION MODEL (SEM)”. International Journal of Business, Law, and Education 4, no. 2 (November 30, 2023): 1319 - 1327. Accessed July 5, 2025. http://www.ijble.com/index.php/journal/article/view/318.