Strategi Manajemen Keuangan UMKM dalam Menghadapi Persaingan Bisnis Modern. HORIZON: Indonesian Journal of Multidisciplinary, [S. l.], v. 4, n. 3, p. 2593–2602, 2026. DOI: 10.54373/hijm.v4i3.6254. Disponível em: https://ejournal.indo-intellectual.id/index.php/hijm/article/view/6254. Acesso em: 12 aug. 2026.