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Ni Kadek Yuni Suantari, Kadek Julia Praba Dewi,, Program Studi Manajemen, Universita Mahasaraswati Denpasar
Ni Luh Gede Erni Sulindawati, I Putu Gede Diatmika,, financial self-efficacy, self-esteem, financial knowledge, financial management behavior, UMKM

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