Miswati M, Jurana J, Parwati NMS, Darmawan IPE. THE EFFECT OF FINANCIAL LITERACY, HUMAN RESOURCE COMPETENCE, AND E-COMMERCE IMPLEMENTATION ON THE FINANCIAL PERFORMANCE OF PALU CITY MSMES . Mankeu [Internet]. 2026 Jan. 23 [cited 2026 Apr. 22];15(01):127-39. Available from: https://www.online-journal.unja.ac.id/mankeu/article/view/52718