Marina, M. and Hadiprajitno, P. B. (2024) “Risk-Taking as Moderating Variable for The Impact of Financial Literacy, Financial Inclusion and Digital Technology Utilization on MSMEs’ Performance”, International Journal of Economics Development Research (IJEDR), 5(3), pp. 2443–2459. doi: 10.37385/ijedr.v5i3.4961.