“How Financial Knowledge, Experience, and Attitude Shape Financial Behavior of Micro, Small, and Medium Enterprises’ Owners in Pekanbaru?” (2025) InJBM : Integrated Research Journal of Business and Management, 2(1), pp. 229–247. Available at: https://icess.uin-suska.ac.id/index.php/injbm/article/view/285 (Accessed: 6 December 2025).