SEKAMDO, M. A.; RIJAL, S. The Impact of Financial Literacy, Digital Financial Adoption, Access to Credit, and Risk Perception on SMEs Financial Performance. International Journal of Business, Law, and Education, [S. l.], v. 7, n. 1, p. 769-779, 2026. DOI: 10.56442/ijble.v7i1.1446. Disponível em: https://www.ijble.com/index.php/journal/article/view/1446. Acesso em: 30 may. 2026.