dc.identifier.citation | [1] Abor, J., dan P. Q. (2010). Issues in SME Development in Ghana and South Africa. International Research Journal of Finance and Economics, 39(6), 219–227. [2] Adomako, S., Danso, A., & Damoah, J. O. (2016). The Moderating Influence of Financial Literacy on the Relationship Between Access to Finance and Firm Growth in Ghana. Venture Capital: An International Journal of Entrepreneurial Finance, 18, 43–61. Retrieved from http://dx.doi.org/10.1080/13691066.2015.1079952 [3] Agyei, S. K. (2018). (2018). Culture, Financial Literacy, and SME Performance in Ghana. Cogent Economics & Finance, 6, 1–16. Retrieved from https://doi.org/10.1080/23322039.2018.1463813 [4] Ahmed, Zaheer; Ramakrishnan, Suresh; Noreen, U. (2017). Financial Literacy as Competitive Advantage for Individual Investors ’ Decision Making. Advanced Science Letters (Vol. 23). Retrieved from https://doi.org/10.1166/asl.2017.10009%0AStudi [5] Aribawa, D. (2016). Pengaruh Literasi Keuangan terhadap Kinerja dan Keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat BisniS, 20(1), 1 – 13. [6] Bashor, Choirul, C. P. (2017). Factors Affecting Performance Manager and Its Impact on Competitive Advantage: Studies Small Medium Enterprises (SMEs) in The Shoes Industry Mojokerto East Java. https://doi.org/10.1515/mjss-2017-0014. [7] Beck, T., A. Demirguc-Kunt, D. V. M. (2005). Financial and Legal Constraints to Growth: Does Firm Size Matter? The Journal Of Finance, 60, 137–177. [8] Cantele S., Z. A. (2018). Is Sustainability a Competitive Advantage for Small Businesses? An Empirical Analysis of Possible Mediators in the Sustainability-Financial Performance Relationship. Journal of Cleaner Production, 182, 166–176. [9] Clark, G. . (2014). Roepke Lecture in Economic Geography—Financial Literacy in Context. Economic Geography, 9, 1–23. Retrieved from https://doi.org/10.1111/ecge.12029 [10] Cole, S., & Fernando, S. (2008). Assessing the Importance of Financial Literacy. Asian Development Bank, 9(3), 1–8. [11] Coluzzi, Chiara, Annalisa Ferrando, and C. M.-C. (2009). Financing Obstacles and Growth : An Analysis for Euro Area Non-Financial Corporations. Working Paper Series No 997. Retrieved from https://www.ecb.europa.eu/pub/pdf/scpwps. [12] Das, T.K., & Teng, B. S. (2000). A Resource-Based Theory of Strategic Alliances. Journal of Management, 26(1), 31–61. Retrieved from https://doi.org/10.1177/014920630002600105 [13] Demirbag, M., Frecknall-Hughes, J., Glaister, K.W., & Tatoglu, E. (2013). Ethics and Taxation: A Cross-National Comparison of UK and Turkish Firms. International Business Review, 22(1), 100–111. [14] Drexler, Alejandro and Fischer, Greg and Schoar, A. (2010). Keeping It Simple: Financial Literacy and Rules of Thumb. CEPR Discussion Paper No. DP 7994, (September). [15] Fitriati. (2014). Menguak Daya Saing UMKM Industri Kreatif. Yayasan Pustaka Obor Indonesia. [16] Kotzè, L., & Smit, A. v. A. (2008). Personal Financial Literacy and Personal Debt Management: The Potential Relationship with New Venture Creation. Journal of Entrepreneurship and Small Business Management, 1(1), 35–50. Retrieved from https://doi.org/10.4102/sajesbm.v1i1.11 [17] Lusardi, A., Mitchell, O. S. (2011). Financial Literacy and Retirement Planning in the United States. J. Pension Econ. Finance, 10, 509–525. [18] Lusimbo E.N., M. W. (2016). Financial Literacy and The Growth of Small Enterprises in Kenya: A Case of Kakamega Central Sub- County, Kenya. International Journal of Economics, Commerce, and Management, IV(6), 2016. [19] Mottola, G. R. (2013). In Our Best Interest: Women, Financial Literacy, and Credit Card Behavior. Numeracy, 6. [20] Niederle, M., & Vesterlund, L. (2011). Gender and Competition. The Annual Review of Economics. https://doi.org/10.1146/annurev-economics-111809-125122 [21] Ponorîcă, A. G., & Al-saedi, A. H. J. (2015). The Importance of Taxation Systems for SME Tax Compliance. In Proceeding of the 9th International Management Conference “Management and Innovation For Competitive Advantage (pp. 129–136). Bucharest, Romania. [22] Potrich, A.C.G., Vieira, K.M., Coronel, D.A., Bender Filho, R. (2015). Financial Literacy in Southern Brazil: Modeling and Invariance Between Genders. J. Behav. Exp. Finance, 6, 11–12. [23] Sakur. (2011). Kajian Faktor-Faktor yang Mendukung Pengembangan Usaha Mikro Kecil dan Menengah: Studi Kasus di Kota Surakarta. Spirit Publik, 7(2), 85–110. [24] San, B. A. & F. B. (2014). Financial Literacy Training As a Strategic Management Tool Among Small – Medium Sized Businesses Operating In Turkey. Procedia - Social and Behavioral Sciences, 150, 148–155. [25] Simanjuntak, T. H. dan I. M. (2012). Dimensi Ekonomi Perpajakan dalam Pembangunan Ekonomi. Jakarta: Raih Asa Sukses. [26] Sucuahi, W. T. (2013). Determinants of Financial Literacy of Micro Entrepreneurs in Davao City. International Journal of Accounting Research, 1(1), 44–51. Retrieved from https://doi.org/10.12816/0001127 [27] Sumarna, A. D. (2016). Faktor – Faktor yang Mempengaruhi Pertumbuhan Perusahaan. Jurnal Benefita, 1(1). Retrieved from http://ejournal.kopertis10.or.id/index.php/benefita. | id_ID |