NATARIASARI, R.; DIYANTO, V. The Effect of Human Resource Competencies, Financial Inclusion, E-Commerce Implementation, and Financial Knowledge on Performance of SMES. Indonesian Journal of Economics, Social, and Humanities, [S. l.], v. 7, n. 2, p. 149–169, 2025. DOI: 10.31258/ijesh.7.2.149-169. Disponível em: https://ijesh.unri.ac.id/index.php/ijesh/article/view/356. Acesso em: 23 sep. 2026.