Siwi, Virgiana Nugransih, Gatot Sasongko, Angelita Titis Pertiwi, Yustinus Wahyudi, Eukharistein Megaleia Rosedea, and Thomas Andra Martian. 2026. “Determinants of Financial and Digital Financial Literacy Among Micro and Small-Scale Enterprise Owners in Yogyakarta, Indonesia”. Industrija 53 (3/4): 77-110. https://doi.org/10.5937/industrija53-62786.