ZUMALIA; SUHARDI; FIRDAUS, Rahmad; SRI REJEKI, Nadia. FINANCIAL LITERACY, POLICIES AND REGULATIONS, INFRASTRUCTURE FACILITIES AND FINANCIAL INCLUSION FOR MICRO, SMALL, AND MEDIUM BUSINESS OWNERS. SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, [S. l.], v. 4, n. 4, p. 307–324, 2025. DOI: 10.54443/sibatik.v4i4.2653. Disponível em: https://publish.ojs-indonesia.com/index.php/SIBATIK/article/view/2653. Acesso em: 9 oct. 2026.