Utami Y, Astutie YP. Financial Technology Utilization and Budgeting Discipline Affecting Sustainability Performance through Financial Inclusion in Indonesian Handicraft MSMEs. JBK [Internet]. 2026 Jul. 15 [cited 2026 Aug. 8];3(2):109-25. Available from: https://journal.iconpublisherindonesia.com/index.php/jbk/article/view/152