MISWATI, Miswati; JURANA, Jurana; PARWATI, Ni Made Suwitri; DARMAWAN, I Putu Edi. THE EFFECT OF FINANCIAL LITERACY, HUMAN RESOURCE COMPETENCE, AND E-COMMERCE IMPLEMENTATION ON THE FINANCIAL PERFORMANCE OF PALU CITY MSMES . Jurnal Manajemen Terapan dan Keuangan, [S. l.], v. 15, n. 01, p. 127–139, 2026. DOI: 10.22437/jmk.v15i01.52718. Disponível em: https://www.online-journal.unja.ac.id/mankeu/article/view/52718. Acesso em: 22 apr. 2026.