UTAMI, Yuni; ASTUTIE, Yanti Puji. Financial Technology Utilization and Budgeting Discipline Affecting Sustainability Performance through Financial Inclusion in Indonesian Handicraft MSMEs. Jurnal Bisnis dan Kewirausahaan, [S. l.], v. 3, n. 2, p. 109–125, 2026. DOI: 10.71154/vta3zc35. Disponível em: https://journal.iconpublisherindonesia.com/index.php/jbk/article/view/152. Acesso em: 8 aug. 2026.