Nur Faridatus Sholikhah and Sugeng Purwanto (2024) “The Influence of Financial Literacy, Personal Income, And Education Level on The Financial Behavior of MSMEs in Malang Regency”, El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 5(11), pp. 4150–4163. doi: 10.47467/elmal.v5i11.3672.