id	sid	tid	token	lemma	pos
easat-9618	1	1	edelweiss	edelweiss	PROPN
easat-9618	1	2	applied	apply	VERB
easat-9618	1	3	science	science	NOUN
easat-9618	1	4	and	and	CCONJ
easat-9618	1	5	technology	technology	NOUN
easat-9618	1	6	issn	issn	PROPN
easat-9618	1	7	:	:	PUNCT
easat-9618	1	8	2576	2576	NUM
easat-9618	1	9	-	-	SYM
easat-9618	1	10	8484	8484	NUM
easat-9618	1	11	vol	vol	NOUN
easat-9618	1	12	.	.	PROPN
easat-9618	2	1	9	9	NUM
easat-9618	2	2	,	,	PUNCT
easat-9618	2	3	no	no	INTJ
easat-9618	2	4	.	.	NOUN
easat-9618	2	5	8	8	NUM
easat-9618	2	6	,	,	PUNCT
easat-9618	2	7	1406	1406	NUM
easat-9618	2	8	-	-	SYM
easat-9618	2	9	1412	1412	NUM
easat-9618	2	10	2025	2025	NUM
easat-9618	2	11	publisher	publisher	NOUN
easat-9618	2	12	:	:	PUNCT
easat-9618	2	13	learning	learn	VERB
easat-9618	2	14	gate	gate	NOUN
easat-9618	2	15	doi	doi	PROPN
easat-9618	2	16	:	:	PUNCT
easat-9618	2	17	10.55214/2576	10.55214/2576	NUM
easat-9618	2	18	-	-	NOUN
easat-9618	2	19	8484.v9i8.9618	8484.v9i8.9618	NOUN
easat-9618	2	20	©	©	PROPN
easat-9618	2	21	2025	2025	NUM
easat-9618	2	22	by	by	ADP
easat-9618	2	23	the	the	DET
easat-9618	2	24	authors	author	NOUN
easat-9618	2	25	;	;	PUNCT
easat-9618	2	26	licensee	licensee	PROPN
easat-9618	2	27	learning	learning	NOUN
easat-9618	2	28	gate	gate	NOUN
easat-9618	3	1	©	©	PROPN
easat-9618	3	2	2025	2025	NUM
easat-9618	3	3	by	by	ADP
easat-9618	3	4	the	the	DET
easat-9618	3	5	authors	author	NOUN
easat-9618	3	6	;	;	PUNCT
easat-9618	3	7	licensee	licensee	PROPN
easat-9618	3	8	learning	learning	NOUN
easat-9618	3	9	gate	gate	NOUN
easat-9618	3	10	history	history	NOUN
easat-9618	3	11	:	:	PUNCT
easat-9618	3	12	received	receive	VERB
easat-9618	3	13	:	:	PUNCT
easat-9618	3	14	23	23	NUM
easat-9618	3	15	june	june	PROPN
easat-9618	3	16	2025	2025	NUM
easat-9618	3	17	;	;	PUNCT
easat-9618	3	18	revised	revise	VERB
easat-9618	3	19	:	:	PUNCT
easat-9618	3	20	12	12	NUM
easat-9618	3	21	august	august	PROPN
easat-9618	3	22	2025	2025	NUM
easat-9618	3	23	;	;	PUNCT
easat-9618	3	24	accepted	accept	VERB
easat-9618	3	25	:	:	PUNCT
easat-9618	3	26	15	15	NUM
easat-9618	3	27	august	august	PROPN
easat-9618	3	28	2025	2025	NUM
easat-9618	3	29	;	;	PUNCT
easat-9618	3	30	published	publish	VERB
easat-9618	3	31	:	:	PUNCT
easat-9618	3	32	23	23	NUM
easat-9618	3	33	august	august	PROPN
easat-9618	3	34	2025	2025	NUM
easat-9618	3	35	*	*	PUNCT
easat-9618	3	36	correspondence	correspondence	NOUN
easat-9618	3	37	:	:	PUNCT
easat-9618	3	38	rima.dwijayanty@widyatama.ac.id	rima.dwijayanty@widyatama.ac.id	PUNCT
easat-9618	3	39	the	the	DET
easat-9618	3	40	mediating	mediate	VERB
easat-9618	3	41	role	role	NOUN
easat-9618	3	42	of	of	ADP
easat-9618	3	43	financial	financial	ADJ
easat-9618	3	44	management	management	NOUN
easat-9618	3	45	behavior	behavior	NOUN
easat-9618	3	46	in	in	ADP
easat-9618	3	47	the	the	DET
easat-9618	3	48	relationship	relationship	NOUN
easat-9618	3	49	between	between	ADP
easat-9618	3	50	financial	financial	ADJ
easat-9618	3	51	literacy	literacy	NOUN
easat-9618	3	52	and	and	CCONJ
easat-9618	3	53	business	business	NOUN
easat-9618	3	54	performance	performance	NOUN
easat-9618	3	55	rima	rima	PROPN
easat-9618	3	56	dwijayanty¹	dwijayanty¹	PROPN
easat-9618	3	57	*	*	PUNCT
easat-9618	3	58	,	,	PUNCT
easat-9618	3	59	herry	herry	PROPN
easat-9618	3	60	achmad	achmad	PROPN
easat-9618	3	61	buchory²	buchory²	PROPN
easat-9618	3	62	,	,	PUNCT
easat-9618	3	63	nuryaman³	nuryaman³	NOUN
easat-9618	3	64	,	,	PUNCT
easat-9618	4	1	wedi	wedi	PROPN
easat-9618	4	2	rusmawan	rusmawan	PROPN
easat-9618	5	1	kusumah⁴	kusumah⁴	PROPN
easat-9618	6	1	1doctoral	1doctoral	NUM
easat-9618	6	2	student	student	NOUN
easat-9618	6	3	,	,	PUNCT
easat-9618	6	4	faculty	faculty	NOUN
easat-9618	6	5	of	of	ADP
easat-9618	6	6	graduate	graduate	NOUN
easat-9618	6	7	studies	study	NOUN
easat-9618	6	8	,	,	PUNCT
easat-9618	6	9	widyatama	widyatama	ADJ
easat-9618	6	10	university	university	PROPN
easat-9618	6	11	,	,	PUNCT
easat-9618	6	12	indonesia	indonesia	PROPN
easat-9618	6	13	;	;	PUNCT
easat-9618	6	14	rima.dwijayanty@widyatama.ac.id	rima.dwijayanty@widyatama.ac.id	NUM
easat-9618	6	15	(	(	PUNCT
easat-9618	6	16	r.d	r.d	X
easat-9618	6	17	.	.	PROPN
easat-9618	6	18	)	)	PUNCT
easat-9618	6	19	2,3,4faculty	2,3,4faculty	NUM
easat-9618	6	20	of	of	ADP
easat-9618	6	21	graduate	graduate	NOUN
easat-9618	6	22	studies	study	NOUN
easat-9618	6	23	,	,	PUNCT
easat-9618	6	24	widyatama	widyatama	ADJ
easat-9618	6	25	university	university	PROPN
easat-9618	6	26	,	,	PUNCT
easat-9618	6	27	indonesia	indonesia	PROPN
easat-9618	6	28	;	;	PUNCT
easat-9618	6	29	herry.achmad@widyatama.ac.id	herry.achmad@widyatama.ac.id	NUM
easat-9618	6	30	(	(	PUNCT
easat-9618	7	1	h.a.b	h.a.b	X
easat-9618	7	2	.	.	PUNCT
easat-9618	7	3	)	)	PUNCT
easat-9618	7	4	nuryaman@widyatama.ac.id	nuryaman@widyatama.ac.id	NOUN
easat-9618	7	5	(	(	PUNCT
easat-9618	7	6	n.	n.	NOUN
easat-9618	7	7	)	)	PUNCT
easat-9618	7	8	wedi.rusmawan@widyatama.ac.id	wedi.rusmawan@widyatama.ac.id	PUNCT
easat-9618	7	9	(	(	PUNCT
easat-9618	7	10	w.r.k	w.r.k	PROPN
easat-9618	7	11	.	.	PUNCT
easat-9618	7	12	)	)	PUNCT
easat-9618	7	13	.	.	PUNCT
easat-9618	8	1	abstract	abstract	ADV
easat-9618	8	2	:	:	PUNCT
easat-9618	8	3	this	this	DET
easat-9618	8	4	study	study	NOUN
easat-9618	8	5	investigates	investigate	VERB
easat-9618	8	6	the	the	DET
easat-9618	8	7	mediating	mediate	VERB
easat-9618	8	8	role	role	NOUN
easat-9618	8	9	of	of	ADP
easat-9618	8	10	financial	financial	ADJ
easat-9618	8	11	management	management	NOUN
easat-9618	8	12	behavior	behavior	NOUN
easat-9618	8	13	in	in	ADP
easat-9618	8	14	the	the	DET
easat-9618	8	15	relationship	relationship	NOUN
easat-9618	8	16	between	between	ADP
easat-9618	8	17	financial	financial	ADJ
easat-9618	8	18	literacy	literacy	NOUN
easat-9618	8	19	and	and	CCONJ
easat-9618	8	20	the	the	DET
easat-9618	8	21	business	business	NOUN
easat-9618	8	22	performance	performance	NOUN
easat-9618	8	23	of	of	ADP
easat-9618	8	24	micro	micro	NOUN
easat-9618	8	25	,	,	PUNCT
easat-9618	8	26	small	small	ADJ
easat-9618	8	27	,	,	PUNCT
easat-9618	8	28	and	and	CCONJ
easat-9618	8	29	medium	medium	ADJ
easat-9618	8	30	enterprises	enterprise	NOUN
easat-9618	8	31	(	(	PUNCT
easat-9618	8	32	msmes	msme	NOUN
easat-9618	8	33	)	)	PUNCT
easat-9618	8	34	in	in	ADP
easat-9618	8	35	west	west	PROPN
easat-9618	8	36	java	java	PROPN
easat-9618	8	37	,	,	PUNCT
easat-9618	8	38	indonesia	indonesia	PROPN
easat-9618	8	39	.	.	PUNCT
easat-9618	9	1	using	use	VERB
easat-9618	9	2	a	a	DET
easat-9618	9	3	quantitative	quantitative	ADJ
easat-9618	9	4	approach	approach	NOUN
easat-9618	9	5	with	with	ADP
easat-9618	9	6	sem	sem	PROPN
easat-9618	9	7	-	-	PUNCT
easat-9618	9	8	amos	amos	PROPN
easat-9618	9	9	and	and	CCONJ
easat-9618	9	10	a	a	DET
easat-9618	9	11	purposive	purposive	ADJ
easat-9618	9	12	sample	sample	NOUN
easat-9618	9	13	of	of	ADP
easat-9618	9	14	359	359	NUM
easat-9618	9	15	digital	digital	ADJ
easat-9618	9	16	msmes	msme	NOUN
easat-9618	9	17	,	,	PUNCT
easat-9618	9	18	the	the	DET
easat-9618	9	19	research	research	NOUN
easat-9618	9	20	reveals	reveal	VERB
easat-9618	9	21	that	that	SCONJ
easat-9618	9	22	financial	financial	ADJ
easat-9618	9	23	literacy	literacy	NOUN
easat-9618	9	24	has	have	VERB
easat-9618	9	25	both	both	CCONJ
easat-9618	9	26	a	a	DET
easat-9618	9	27	direct	direct	ADJ
easat-9618	9	28	and	and	CCONJ
easat-9618	9	29	indirect	indirect	ADJ
easat-9618	9	30	impact	impact	NOUN
easat-9618	9	31	on	on	ADP
easat-9618	9	32	business	business	NOUN
easat-9618	9	33	performance	performance	NOUN
easat-9618	9	34	.	.	PUNCT
easat-9618	10	1	however	however	ADV
easat-9618	10	2	,	,	PUNCT
easat-9618	10	3	over	over	ADP
easat-9618	10	4	80	80	NUM
easat-9618	10	5	%	%	NOUN
easat-9618	10	6	of	of	ADP
easat-9618	10	7	this	this	DET
easat-9618	10	8	effect	effect	NOUN
easat-9618	10	9	is	be	AUX
easat-9618	10	10	mediated	mediate	VERB
easat-9618	10	11	by	by	ADP
easat-9618	10	12	financial	financial	ADJ
easat-9618	10	13	management	management	NOUN
easat-9618	10	14	behavior	behavior	NOUN
easat-9618	10	15	.	.	PUNCT
easat-9618	11	1	these	these	DET
easat-9618	11	2	findings	finding	NOUN
easat-9618	11	3	support	support	VERB
easat-9618	11	4	behavioral	behavioral	ADJ
easat-9618	11	5	finance	finance	NOUN
easat-9618	11	6	theory	theory	NOUN
easat-9618	11	7	and	and	CCONJ
easat-9618	11	8	emphasize	emphasize	VERB
easat-9618	11	9	the	the	DET
easat-9618	11	10	importance	importance	NOUN
easat-9618	11	11	of	of	ADP
easat-9618	11	12	translating	translate	VERB
easat-9618	11	13	financial	financial	ADJ
easat-9618	11	14	knowledge	knowledge	NOUN
easat-9618	11	15	into	into	ADP
easat-9618	11	16	actionable	actionable	ADJ
easat-9618	11	17	practices	practice	NOUN
easat-9618	11	18	.	.	PUNCT
easat-9618	12	1	the	the	DET
easat-9618	12	2	study	study	NOUN
easat-9618	12	3	contributes	contribute	VERB
easat-9618	12	4	theoretically	theoretically	ADV
easat-9618	12	5	by	by	ADP
easat-9618	12	6	validating	validate	VERB
easat-9618	12	7	the	the	DET
easat-9618	12	8	mediating	mediate	VERB
easat-9618	12	9	mechanism	mechanism	NOUN
easat-9618	12	10	in	in	ADP
easat-9618	12	11	digital	digital	ADJ
easat-9618	12	12	msmes	msme	NOUN
easat-9618	12	13	and	and	CCONJ
easat-9618	12	14	offers	offer	VERB
easat-9618	12	15	practical	practical	ADJ
easat-9618	12	16	insights	insight	NOUN
easat-9618	12	17	for	for	ADP
easat-9618	12	18	policy	policy	NOUN
easat-9618	12	19	development	development	NOUN
easat-9618	12	20	and	and	CCONJ
easat-9618	12	21	msme	msme	NOUN
easat-9618	12	22	training	training	NOUN
easat-9618	12	23	programs	program	NOUN
easat-9618	12	24	.	.	PUNCT
easat-9618	13	1	keywords	keyword	NOUN
easat-9618	13	2	:	:	PUNCT
easat-9618	13	3	business	business	NOUN
easat-9618	13	4	performance	performance	NOUN
easat-9618	13	5	,	,	PUNCT
easat-9618	13	6	financial	financial	ADJ
easat-9618	13	7	literacy	literacy	NOUN
easat-9618	13	8	,	,	PUNCT
easat-9618	13	9	financial	financial	ADJ
easat-9618	13	10	management	management	NOUN
easat-9618	13	11	behavior	behavior	NOUN
easat-9618	13	12	,	,	PUNCT
easat-9618	13	13	micro	micro	NOUN
easat-9618	13	14	,	,	PUNCT
easat-9618	13	15	sem	sem	PROPN
easat-9618	13	16	-	-	PUNCT
easat-9618	13	17	amos	amos	PROPN
easat-9618	13	18	,	,	PUNCT
easat-9618	13	19	small	small	ADJ
easat-9618	13	20	and	and	CCONJ
easat-9618	13	21	medium	medium	ADJ
easat-9618	13	22	enterprises	enterprise	NOUN
easat-9618	13	23	.	.	PUNCT
easat-9618	14	1	1	1	X
easat-9618	14	2	.	.	X
easat-9618	14	3	introduction	introduction	NOUN
easat-9618	14	4	micro	micro	PROPN
easat-9618	14	5	,	,	PUNCT
easat-9618	14	6	small	small	ADJ
easat-9618	14	7	,	,	PUNCT
easat-9618	14	8	and	and	CCONJ
easat-9618	14	9	medium	medium	ADJ
easat-9618	14	10	enterprises	enterprise	NOUN
easat-9618	14	11	(	(	PUNCT
easat-9618	14	12	msmes	msme	NOUN
easat-9618	14	13	)	)	PUNCT
easat-9618	14	14	serve	serve	VERB
easat-9618	14	15	as	as	ADP
easat-9618	14	16	the	the	DET
easat-9618	14	17	cornerstone	cornerstone	NOUN
easat-9618	14	18	of	of	ADP
easat-9618	14	19	indonesia	indonesia	PROPN
easat-9618	14	20	’s	’s	PART
easat-9618	14	21	economy	economy	NOUN
easat-9618	14	22	,	,	PUNCT
easat-9618	14	23	contributing	contribute	VERB
easat-9618	14	24	over	over	ADP
easat-9618	14	25	60	60	NUM
easat-9618	14	26	%	%	NOUN
easat-9618	14	27	to	to	ADP
easat-9618	14	28	the	the	DET
easat-9618	14	29	nation	nation	NOUN
easat-9618	14	30	’s	’s	PART
easat-9618	14	31	gdp	gdp	NOUN
easat-9618	15	1	[	[	X
easat-9618	15	2	1	1	NUM
easat-9618	15	3	]	]	PUNCT
easat-9618	15	4	.	.	PUNCT
easat-9618	16	1	their	their	PRON
easat-9618	16	2	pivotal	pivotal	ADJ
easat-9618	16	3	role	role	NOUN
easat-9618	16	4	,	,	PUNCT
easat-9618	16	5	spanning	span	VERB
easat-9618	16	6	trade	trade	NOUN
easat-9618	16	7	,	,	PUNCT
easat-9618	16	8	manufacturing	manufacturing	NOUN
easat-9618	16	9	,	,	PUNCT
easat-9618	16	10	agriculture	agriculture	NOUN
easat-9618	16	11	,	,	PUNCT
easat-9618	16	12	and	and	CCONJ
easat-9618	16	13	services	service	NOUN
easat-9618	16	14	,	,	PUNCT
easat-9618	16	15	emphasizes	emphasize	VERB
easat-9618	16	16	their	their	PRON
easat-9618	16	17	significance	significance	NOUN
easat-9618	16	18	in	in	ADP
easat-9618	16	19	maintaining	maintain	VERB
easat-9618	16	20	economic	economic	ADJ
easat-9618	16	21	stability	stability	NOUN
easat-9618	16	22	and	and	CCONJ
easat-9618	16	23	growth	growth	NOUN
easat-9618	16	24	.	.	PUNCT
easat-9618	17	1	during	during	ADP
easat-9618	17	2	the	the	DET
easat-9618	17	3	covid-19	covid-19	PROPN
easat-9618	17	4	pandemic	pandemic	NOUN
easat-9618	17	5	,	,	PUNCT
easat-9618	17	6	msmes	msme	NOUN
easat-9618	17	7	demonstrated	demonstrate	VERB
easat-9618	17	8	notable	notable	ADJ
easat-9618	17	9	resilience	resilience	NOUN
easat-9618	17	10	:	:	PUNCT
easat-9618	17	11	not	not	PART
easat-9618	17	12	only	only	ADV
easat-9618	17	13	did	do	AUX
easat-9618	17	14	they	they	PRON
easat-9618	17	15	continue	continue	VERB
easat-9618	17	16	to	to	PART
easat-9618	17	17	sustain	sustain	VERB
easat-9618	17	18	economic	economic	ADJ
easat-9618	17	19	activity	activity	NOUN
easat-9618	17	20	,	,	PUNCT
easat-9618	17	21	but	but	CCONJ
easat-9618	17	22	the	the	DET
easat-9618	17	23	total	total	ADJ
easat-9618	17	24	count	count	NOUN
easat-9618	17	25	of	of	ADP
easat-9618	17	26	micro	micro	PROPN
easat-9618	17	27	enterprises	enterprise	NOUN
easat-9618	17	28	rose	rise	VERB
easat-9618	17	29	from	from	ADP
easat-9618	17	30	3.91	3.91	NUM
easat-9618	17	31	million	million	NUM
easat-9618	17	32	in	in	ADP
easat-9618	17	33	2021	2021	NUM
easat-9618	17	34	to	to	ADP
easat-9618	17	35	4.23	4.23	NUM
easat-9618	17	36	million	million	NUM
easat-9618	17	37	in	in	ADP
easat-9618	17	38	2022	2022	NUM
easat-9618	17	39	,	,	PUNCT
easat-9618	17	40	according	accord	VERB
easat-9618	17	41	to	to	ADP
easat-9618	17	42	statistics	statistic	NOUN
easat-9618	17	43	indonesia	indonesia	PROPN
easat-9618	18	1	[	[	X
easat-9618	18	2	2	2	NUM
easat-9618	18	3	]	]	PUNCT
easat-9618	18	4	.	.	PUNCT
easat-9618	19	1	however	however	ADV
easat-9618	19	2	,	,	PUNCT
easat-9618	19	3	only	only	ADV
easat-9618	19	4	33.6	33.6	NUM
easat-9618	19	5	%	%	NOUN
easat-9618	19	6	of	of	ADP
easat-9618	19	7	the	the	DET
easat-9618	19	8	estimated	estimate	VERB
easat-9618	19	9	65	65	NUM
easat-9618	19	10	million	million	NUM
easat-9618	19	11	msmes	msme	NOUN
easat-9618	19	12	had	have	AUX
easat-9618	19	13	adopted	adopt	VERB
easat-9618	19	14	digital	digital	ADJ
easat-9618	19	15	platforms	platform	NOUN
easat-9618	19	16	by	by	ADP
easat-9618	19	17	2023	2023	NUM
easat-9618	19	18	[	[	X
easat-9618	19	19	3	3	X
easat-9618	19	20	]	]	PUNCT
easat-9618	19	21	impeded	impede	VERB
easat-9618	19	22	by	by	ADP
easat-9618	19	23	limited	limited	ADJ
easat-9618	19	24	access	access	NOUN
easat-9618	19	25	to	to	ADP
easat-9618	19	26	finance	finance	NOUN
easat-9618	19	27	,	,	PUNCT
easat-9618	19	28	marketing	marketing	NOUN
easat-9618	19	29	,	,	PUNCT
easat-9618	19	30	competitiveness	competitiveness	NOUN
easat-9618	19	31	,	,	PUNCT
easat-9618	19	32	and	and	CCONJ
easat-9618	19	33	productivity	productivity	NOUN
easat-9618	19	34	[	[	X
easat-9618	19	35	1	1	NUM
easat-9618	19	36	]	]	PUNCT
easat-9618	19	37	.	.	PUNCT
easat-9618	20	1	regional	regional	ADJ
easat-9618	20	2	data	datum	NOUN
easat-9618	20	3	from	from	ADP
easat-9618	20	4	bank	bank	PROPN
easat-9618	20	5	indonesia	indonesia	PROPN
easat-9618	20	6	[	[	X
easat-9618	20	7	4	4	NUM
easat-9618	20	8	]	]	X
easat-9618	20	9	bank	bank	PROPN
easat-9618	20	10	indonesia	indonesia	PROPN
easat-9618	20	11	's	's	PART
easat-9618	20	12	regional	regional	ADJ
easat-9618	20	13	economic	economic	ADJ
easat-9618	20	14	and	and	CCONJ
easat-9618	20	15	financial	financial	ADJ
easat-9618	20	16	review	review	NOUN
easat-9618	20	17	(	(	PUNCT
easat-9618	20	18	kekr	kekr	PROPN
easat-9618	20	19	)	)	PUNCT
easat-9618	20	20	q4	q4	PROPN
easat-9618	20	21	2023	2023	NUM
easat-9618	20	22	shows	show	VERB
easat-9618	20	23	that	that	SCONJ
easat-9618	20	24	over	over	ADP
easat-9618	20	25	60	60	NUM
easat-9618	20	26	%	%	NOUN
easat-9618	20	27	of	of	ADP
easat-9618	20	28	msmes	msme	NOUN
easat-9618	20	29	in	in	ADP
easat-9618	20	30	west	west	PROPN
easat-9618	20	31	java	java	PROPN
easat-9618	20	32	lack	lack	VERB
easat-9618	20	33	formal	formal	ADJ
easat-9618	20	34	bookkeeping	bookkeeping	NOUN
easat-9618	20	35	systems	system	NOUN
easat-9618	20	36	,	,	PUNCT
easat-9618	20	37	which	which	PRON
easat-9618	20	38	obstructs	obstruct	VERB
easat-9618	20	39	their	their	PRON
easat-9618	20	40	ability	ability	NOUN
easat-9618	20	41	to	to	PART
easat-9618	20	42	secure	secure	VERB
easat-9618	20	43	credit	credit	NOUN
easat-9618	20	44	,	,	PUNCT
easat-9618	20	45	evaluate	evaluate	VERB
easat-9618	20	46	business	business	NOUN
easat-9618	20	47	performance	performance	NOUN
easat-9618	20	48	,	,	PUNCT
easat-9618	20	49	and	and	CCONJ
easat-9618	20	50	plan	plan	VERB
easat-9618	20	51	sustainable	sustainable	ADJ
easat-9618	20	52	expansion	expansion	NOUN
easat-9618	20	53	.	.	PUNCT
easat-9618	21	1	moreover	moreover	ADV
easat-9618	21	2	,	,	PUNCT
easat-9618	21	3	smesco	smesco	PROPN
easat-9618	21	4	indonesia	indonesia	PROPN
easat-9618	21	5	[	[	X
easat-9618	21	6	5	5	X
easat-9618	21	7	]	]	PUNCT
easat-9618	21	8	highlights	highlight	NOUN
easat-9618	21	9	that	that	SCONJ
easat-9618	21	10	approximately	approximately	ADV
easat-9618	21	11	70	70	NUM
easat-9618	21	12	%	%	NOUN
easat-9618	21	13	of	of	ADP
easat-9618	21	14	msme	msme	NOUN
easat-9618	21	15	actors	actor	NOUN
easat-9618	21	16	in	in	ADP
easat-9618	21	17	iwest	iwest	NOUN
easat-9618	21	18	java	java	PROPN
easat-9618	21	19	do	do	AUX
easat-9618	21	20	not	not	PART
easat-9618	21	21	routinely	routinely	ADV
easat-9618	21	22	prepare	prepare	VERB
easat-9618	21	23	financial	financial	ADJ
easat-9618	21	24	statements	statement	NOUN
easat-9618	21	25	,	,	PUNCT
easat-9618	21	26	and	and	CCONJ
easat-9618	21	27	only	only	ADV
easat-9618	21	28	16	16	NUM
easat-9618	21	29	%	%	NOUN
easat-9618	21	30	present	present	ADJ
easat-9618	21	31	monthly	monthly	ADJ
easat-9618	21	32	income	income	NOUN
easat-9618	21	33	or	or	CCONJ
easat-9618	21	34	cash	cash	NOUN
easat-9618	21	35	flow	flow	NOUN
easat-9618	21	36	reports	report	NOUN
easat-9618	21	37	,	,	PUNCT
easat-9618	21	38	factors	factor	NOUN
easat-9618	21	39	that	that	PRON
easat-9618	21	40	significantly	significantly	ADV
easat-9618	21	41	curtail	curtail	VERB
easat-9618	21	42	long	long	ADJ
easat-9618	21	43	-	-	PUNCT
easat-9618	21	44	term	term	NOUN
easat-9618	21	45	viability	viability	NOUN
easat-9618	21	46	.	.	PUNCT
easat-9618	22	1	mien	mien	NOUN
easat-9618	22	2	and	and	CCONJ
easat-9618	22	3	thao	thao	PROPN
easat-9618	23	1	[	[	X
easat-9618	23	2	6	6	NUM
easat-9618	23	3	]	]	PUNCT
easat-9618	23	4	characterize	characterize	VERB
easat-9618	23	5	financial	financial	ADJ
easat-9618	23	6	management	management	NOUN
easat-9618	23	7	behavior	behavior	NOUN
easat-9618	23	8	as	as	ADP
easat-9618	23	9	encompassing	encompass	VERB
easat-9618	23	10	the	the	DET
easat-9618	23	11	determination	determination	NOUN
easat-9618	23	12	,	,	PUNCT
easat-9618	23	13	acquisition	acquisition	NOUN
easat-9618	23	14	,	,	PUNCT
easat-9618	23	15	allocation	allocation	NOUN
easat-9618	23	16	,	,	PUNCT
easat-9618	23	17	and	and	CCONJ
easat-9618	23	18	utilization	utilization	NOUN
easat-9618	23	19	of	of	ADP
easat-9618	23	20	financial	financial	ADJ
easat-9618	23	21	resources	resource	NOUN
easat-9618	23	22	,	,	PUNCT
easat-9618	23	23	and	and	CCONJ
easat-9618	23	24	propose	propose	VERB
easat-9618	23	25	that	that	SCONJ
easat-9618	23	26	financial	financial	ADJ
easat-9618	23	27	education	education	NOUN
easat-9618	23	28	is	be	AUX
easat-9618	23	29	indispensable	indispensable	ADJ
easat-9618	23	30	for	for	ADP
easat-9618	23	31	fostering	foster	VERB
easat-9618	23	32	literacy	literacy	NOUN
easat-9618	23	33	and	and	CCONJ
easat-9618	23	34	enhancing	enhance	VERB
easat-9618	23	35	decision	decision	NOUN
easat-9618	23	36	-	-	PUNCT
easat-9618	23	37	making	make	VERB
easat-9618	23	38	efficacy	efficacy	NOUN
easat-9618	23	39	.	.	PUNCT
easat-9618	24	1	while	while	SCONJ
easat-9618	24	2	numerous	numerous	ADJ
easat-9618	24	3	indonesian	indonesian	ADJ
easat-9618	24	4	studies	study	NOUN
easat-9618	24	5	aribawa	aribawa	PROPN
easat-9618	25	1	[	[	X
easat-9618	25	2	7	7	NUM
easat-9618	25	3	]	]	X
easat-9618	25	4	;	;	PUNCT
easat-9618	25	5	marissa	marissa	NOUN
easat-9618	25	6	and	and	CCONJ
easat-9618	25	7	fitriyah	fitriyah	NOUN
easat-9618	26	1	[	[	X
easat-9618	26	2	8	8	NUM
easat-9618	26	3	]	]	PUNCT
easat-9618	26	4	and	and	CCONJ
easat-9618	26	5	sesa	sesa	PROPN
easat-9618	26	6	,	,	PUNCT
easat-9618	26	7	et	et	PROPN
easat-9618	26	8	al	al	PROPN
easat-9618	26	9	.	.	PUNCT
easat-9618	27	1	[	[	X
easat-9618	27	2	9	9	NUM
easat-9618	27	3	]	]	PUNCT
easat-9618	27	4	confirm	confirm	VERB
easat-9618	27	5	the	the	DET
easat-9618	27	6	positive	positive	ADJ
easat-9618	27	7	influence	influence	NOUN
easat-9618	27	8	of	of	ADP
easat-9618	27	9	financial	financial	ADJ
easat-9618	27	10	literacy	literacy	NOUN
easat-9618	27	11	on	on	ADP
easat-9618	27	12	msme	msme	NOUN
easat-9618	27	13	performance	performance	NOUN
easat-9618	27	14	,	,	PUNCT
easat-9618	27	15	some	some	PRON
easat-9618	27	16	[	[	X
easat-9618	27	17	10	10	NUM
easat-9618	27	18	,	,	PUNCT
easat-9618	27	19	11	11	NUM
easat-9618	27	20	]	]	PUNCT
easat-9618	27	21	identify	identify	VERB
easat-9618	27	22	no	no	DET
easat-9618	27	23	direct	direct	ADJ
easat-9618	27	24	effect	effect	NOUN
easat-9618	27	25	.	.	PUNCT
easat-9618	28	1	importantly	importantly	ADV
easat-9618	28	2	,	,	PUNCT
easat-9618	28	3	sesa	sesa	PROPN
easat-9618	28	4	,	,	PUNCT
easat-9618	28	5	et	et	PROPN
easat-9618	28	6	al	al	PROPN
easat-9618	28	7	.	.	PUNCT
easat-9618	29	1	[	[	X
easat-9618	29	2	9	9	NUM
easat-9618	29	3	]	]	PUNCT
easat-9618	29	4	and	and	CCONJ
easat-9618	29	5	other	other	ADJ
easat-9618	29	6	research	research	NOUN
easat-9618	29	7	demonstrate	demonstrate	VERB
easat-9618	29	8	that	that	SCONJ
easat-9618	29	9	financial	financial	ADJ
easat-9618	29	10	management	management	NOUN
easat-9618	29	11	behavior	behavior	NOUN
easat-9618	29	12	acts	act	VERB
easat-9618	29	13	as	as	ADP
easat-9618	29	14	a	a	DET
easat-9618	29	15	mediator	mediator	NOUN
easat-9618	29	16	between	between	ADP
easat-9618	29	17	financial	financial	ADJ
easat-9618	29	18	literacy	literacy	NOUN
easat-9618	29	19	and	and	CCONJ
easat-9618	29	20	business	business	NOUN
easat-9618	29	21	performance	performance	NOUN
easat-9618	29	22	.	.	PUNCT
easat-9618	30	1	https://orcid.org/0009-0001-1540-6893	https://orcid.org/0009-0001-1540-6893	NOUN
easat-9618	30	2	https://orcid.org/000-0001-5183-648x	https://orcid.org/000-0001-5183-648x	PROPN
easat-9618	30	3	https://orcid.org/0000-0002-7195-187x	https://orcid.org/0000-0002-7195-187x	PROPN
easat-9618	30	4	https://orcid.org/0000-0003-2046-9634	https://orcid.org/0000-0003-2046-9634	PROPN
easat-9618	30	5	1407	1407	NUM
easat-9618	30	6	edelweiss	edelweiss	PROPN
easat-9618	30	7	applied	apply	VERB
easat-9618	30	8	science	science	NOUN
easat-9618	30	9	and	and	CCONJ
easat-9618	30	10	technology	technology	NOUN
easat-9618	30	11	issn	issn	PROPN
easat-9618	30	12	:	:	PUNCT
easat-9618	30	13	2576	2576	NUM
easat-9618	30	14	-	-	SYM
easat-9618	30	15	8484	8484	NUM
easat-9618	30	16	vol	vol	NOUN
easat-9618	30	17	.	.	PROPN
easat-9618	31	1	9	9	NUM
easat-9618	31	2	,	,	PUNCT
easat-9618	31	3	no	no	INTJ
easat-9618	31	4	.	.	NOUN
easat-9618	31	5	8	8	NUM
easat-9618	31	6	:	:	PUNCT
easat-9618	31	7	1406	1406	NUM
easat-9618	31	8	-	-	SYM
easat-9618	31	9	1412	1412	NUM
easat-9618	31	10	,	,	PUNCT
easat-9618	31	11	2025	2025	NUM
easat-9618	31	12	doi	doi	NOUN
easat-9618	31	13	:	:	PUNCT
easat-9618	31	14	10.55214/2576	10.55214/2576	NUM
easat-9618	31	15	-	-	NOUN
easat-9618	31	16	8484.v9i8.9618	8484.v9i8.9618	NOUN
easat-9618	31	17	©	©	PROPN
easat-9618	31	18	2025	2025	NUM
easat-9618	31	19	by	by	ADP
easat-9618	31	20	the	the	DET
easat-9618	31	21	authors	author	NOUN
easat-9618	31	22	;	;	PUNCT
easat-9618	31	23	licensee	licensee	PROPN
easat-9618	31	24	learning	learning	NOUN
easat-9618	31	25	gate	gate	VERB
easat-9618	31	26	methodologically	methodologically	ADV
easat-9618	31	27	,	,	PUNCT
easat-9618	31	28	most	most	ADJ
easat-9618	31	29	prior	prior	ADJ
easat-9618	31	30	studies	study	NOUN
easat-9618	31	31	applied	apply	VERB
easat-9618	31	32	sem‑pls	sem‑pls	NOUN
easat-9618	31	33	or	or	CCONJ
easat-9618	31	34	linear	linear	ADJ
easat-9618	31	35	regression	regression	NOUN
easat-9618	31	36	[	[	X
easat-9618	31	37	12	12	NUM
easat-9618	31	38	-	-	SYM
easat-9618	31	39	14	14	NUM
easat-9618	31	40	]	]	PUNCT
easat-9618	31	41	but	but	CCONJ
easat-9618	31	42	none	none	NOUN
easat-9618	31	43	adopted	adopt	VERB
easat-9618	31	44	the	the	DET
easat-9618	31	45	sem‑amos	sem‑amos	PROPN
easat-9618	31	46	approach	approach	NOUN
easat-9618	31	47	to	to	PART
easat-9618	31	48	develop	develop	VERB
easat-9618	31	49	and	and	CCONJ
easat-9618	31	50	validate	validate	VERB
easat-9618	31	51	a	a	DET
easat-9618	31	52	comprehensive	comprehensive	ADJ
easat-9618	31	53	structural	structural	ADJ
easat-9618	31	54	model	model	NOUN
easat-9618	31	55	.	.	PUNCT
easat-9618	32	1	additionally	additionally	ADV
easat-9618	32	2	,	,	PUNCT
easat-9618	32	3	there	there	PRON
easat-9618	32	4	remains	remain	VERB
easat-9618	32	5	a	a	DET
easat-9618	32	6	research	research	NOUN
easat-9618	32	7	gap	gap	NOUN
easat-9618	32	8	:	:	PUNCT
easat-9618	32	9	no	no	DET
easat-9618	32	10	study	study	NOUN
easat-9618	32	11	has	have	AUX
easat-9618	32	12	yet	yet	ADV
easat-9618	32	13	dissected	dissect	VERB
easat-9618	32	14	the	the	DET
easat-9618	32	15	digitalized	digitalize	VERB
easat-9618	32	16	msme	msme	NOUN
easat-9618	32	17	segment	segment	NOUN
easat-9618	32	18	in	in	ADP
easat-9618	32	19	west	west	PROPN
easat-9618	32	20	java	java	PROPN
easat-9618	32	21	,	,	PUNCT
easat-9618	32	22	despite	despite	SCONJ
easat-9618	32	23	their	their	PRON
easat-9618	32	24	emergent	emergent	ADJ
easat-9618	32	25	role	role	NOUN
easat-9618	32	26	in	in	ADP
easat-9618	32	27	the	the	DET
easat-9618	32	28	digital	digital	ADJ
easat-9618	32	29	economy	economy	NOUN
easat-9618	32	30	.	.	PUNCT
easat-9618	33	1	addressing	address	VERB
easat-9618	33	2	this	this	DET
easat-9618	33	3	gap	gap	NOUN
easat-9618	33	4	is	be	AUX
easat-9618	33	5	the	the	DET
easat-9618	33	6	primary	primary	ADJ
easat-9618	33	7	novelty	novelty	NOUN
easat-9618	33	8	and	and	CCONJ
easat-9618	33	9	contribution	contribution	NOUN
easat-9618	33	10	of	of	ADP
easat-9618	33	11	the	the	DET
easat-9618	33	12	present	present	ADJ
easat-9618	33	13	study	study	NOUN
easat-9618	33	14	.	.	PUNCT
easat-9618	34	1	2	2	X
easat-9618	34	2	.	.	X
easat-9618	34	3	literature	literature	NOUN
easat-9618	34	4	review	review	NOUN
easat-9618	34	5	this	this	DET
easat-9618	34	6	study	study	NOUN
easat-9618	34	7	is	be	AUX
easat-9618	34	8	grounded	ground	VERB
easat-9618	34	9	in	in	ADP
easat-9618	34	10	behavioral	behavioral	ADJ
easat-9618	34	11	finance	finance	NOUN
easat-9618	34	12	theory	theory	NOUN
easat-9618	34	13	,	,	PUNCT
easat-9618	34	14	which	which	PRON
easat-9618	34	15	explains	explain	VERB
easat-9618	34	16	how	how	SCONJ
easat-9618	34	17	psychological	psychological	ADJ
easat-9618	34	18	factors	factor	NOUN
easat-9618	34	19	such	such	ADJ
easat-9618	34	20	as	as	ADP
easat-9618	34	21	cognition	cognition	NOUN
easat-9618	34	22	and	and	CCONJ
easat-9618	34	23	emotion	emotion	NOUN
easat-9618	34	24	influence	influence	NOUN
easat-9618	34	25	irrational	irrational	ADJ
easat-9618	34	26	or	or	CCONJ
easat-9618	34	27	illogical	illogical	ADJ
easat-9618	34	28	financial	financial	ADJ
easat-9618	34	29	decision	decision	NOUN
easat-9618	34	30	-	-	PUNCT
easat-9618	34	31	making	make	VERB
easat-9618	34	32	loerwald	loerwald	NOUN
easat-9618	34	33	and	and	CCONJ
easat-9618	34	34	stemmann	stemmann	NOUN
easat-9618	35	1	[	[	X
easat-9618	35	2	15	15	NUM
easat-9618	35	3	]	]	PUNCT
easat-9618	35	4	.	.	PUNCT
easat-9618	36	1	thaler	thaler	PROPN
easat-9618	37	1	[	[	X
easat-9618	37	2	16	16	NUM
easat-9618	37	3	]	]	PUNCT
easat-9618	37	4	a	a	DET
easat-9618	37	5	pioneer	pioneer	NOUN
easat-9618	37	6	in	in	ADP
easat-9618	37	7	behavioral	behavioral	ADJ
easat-9618	37	8	finance	finance	NOUN
easat-9618	37	9	,	,	PUNCT
easat-9618	37	10	proposed	propose	VERB
easat-9618	37	11	that	that	SCONJ
easat-9618	37	12	individuals	individual	NOUN
easat-9618	37	13	engage	engage	VERB
easat-9618	37	14	in	in	ADP
easat-9618	37	15	mental	mental	ADJ
easat-9618	37	16	accounting	accounting	NOUN
easat-9618	37	17	similar	similar	ADJ
easat-9618	37	18	to	to	ADP
easat-9618	37	19	how	how	SCONJ
easat-9618	37	20	organizations	organization	NOUN
easat-9618	37	21	use	use	VERB
easat-9618	37	22	structured	structured	ADJ
easat-9618	37	23	systems	system	NOUN
easat-9618	37	24	to	to	PART
easat-9618	37	25	manage	manage	VERB
easat-9618	37	26	financial	financial	ADJ
easat-9618	37	27	decisions	decision	NOUN
easat-9618	37	28	.	.	PUNCT
easat-9618	38	1	the	the	DET
easat-9618	38	2	concept	concept	NOUN
easat-9618	38	3	of	of	ADP
easat-9618	38	4	financial	financial	ADJ
easat-9618	38	5	behavior	behavior	NOUN
easat-9618	38	6	began	begin	VERB
easat-9618	38	7	gaining	gain	VERB
easat-9618	38	8	attention	attention	NOUN
easat-9618	38	9	in	in	ADP
easat-9618	38	10	the	the	DET
easat-9618	38	11	1990s	1990	NOUN
easat-9618	38	12	as	as	SCONJ
easat-9618	38	13	scholars	scholar	NOUN
easat-9618	38	14	and	and	CCONJ
easat-9618	38	15	practitioners	practitioner	NOUN
easat-9618	38	16	acknowledged	acknowledge	VERB
easat-9618	38	17	the	the	DET
easat-9618	38	18	impact	impact	NOUN
easat-9618	38	19	of	of	ADP
easat-9618	38	20	psychological	psychological	ADJ
easat-9618	38	21	tendencies	tendency	NOUN
easat-9618	38	22	on	on	ADP
easat-9618	38	23	individual	individual	ADJ
easat-9618	38	24	financial	financial	ADJ
easat-9618	38	25	decisions	decision	NOUN
easat-9618	38	26	.	.	PUNCT
easat-9618	39	1	shefrin	shefrin	NOUN
easat-9618	40	1	[	[	X
easat-9618	40	2	17	17	NUM
easat-9618	40	3	]	]	PUNCT
easat-9618	40	4	defines	define	VERB
easat-9618	40	5	financial	financial	ADJ
easat-9618	40	6	behavior	behavior	NOUN
easat-9618	40	7	as	as	ADP
easat-9618	40	8	a	a	DET
easat-9618	40	9	field	field	NOUN
easat-9618	40	10	that	that	PRON
easat-9618	40	11	studies	study	VERB
easat-9618	40	12	how	how	SCONJ
easat-9618	40	13	psychological	psychological	ADJ
easat-9618	40	14	phenomena	phenomenon	NOUN
easat-9618	40	15	affect	affect	VERB
easat-9618	40	16	financial	financial	ADJ
easat-9618	40	17	actions	action	NOUN
easat-9618	40	18	.	.	PUNCT
easat-9618	41	1	financial	financial	ADJ
easat-9618	41	2	behavior	behavior	NOUN
easat-9618	41	3	is	be	AUX
easat-9618	41	4	closely	closely	ADV
easat-9618	41	5	related	relate	VERB
easat-9618	41	6	to	to	ADP
easat-9618	41	7	financial	financial	ADJ
easat-9618	41	8	management	management	NOUN
easat-9618	41	9	,	,	PUNCT
easat-9618	41	10	as	as	SCONJ
easat-9618	41	11	it	it	PRON
easat-9618	41	12	involves	involve	VERB
easat-9618	41	13	methods	method	NOUN
easat-9618	41	14	of	of	ADP
easat-9618	41	15	acquiring	acquire	VERB
easat-9618	41	16	and	and	CCONJ
easat-9618	41	17	utilizing	utilize	VERB
easat-9618	41	18	money	money	NOUN
easat-9618	41	19	effectively	effectively	ADV
easat-9618	41	20	.	.	PUNCT
easat-9618	42	1	individual	individual	ADJ
easat-9618	42	2	decisions	decision	NOUN
easat-9618	42	3	are	be	AUX
easat-9618	42	4	shaped	shape	VERB
easat-9618	42	5	by	by	ADP
easat-9618	42	6	intentions	intention	NOUN
easat-9618	42	7	,	,	PUNCT
easat-9618	42	8	attitudes	attitude	NOUN
easat-9618	42	9	,	,	PUNCT
easat-9618	42	10	and	and	CCONJ
easat-9618	42	11	behavioral	behavioral	ADJ
easat-9618	42	12	control	control	NOUN
easat-9618	42	13	,	,	PUNCT
easat-9618	42	14	to	to	PART
easat-9618	42	15	maximize	maximize	VERB
easat-9618	42	16	welfare	welfare	NOUN
easat-9618	42	17	and	and	CCONJ
easat-9618	42	18	minimize	minimize	VERB
easat-9618	42	19	financial	financial	ADJ
easat-9618	42	20	decision	decision	NOUN
easat-9618	42	21	errors	error	NOUN
easat-9618	42	22	.	.	PUNCT
easat-9618	43	1	gitman	gitman	NOUN
easat-9618	43	2	and	and	CCONJ
easat-9618	43	3	zutter	zutter	NOUN
easat-9618	43	4	[	[	X
easat-9618	43	5	18	18	NUM
easat-9618	43	6	]	]	PUNCT
easat-9618	43	7	define	define	VERB
easat-9618	43	8	financial	financial	ADJ
easat-9618	43	9	management	management	NOUN
easat-9618	43	10	as	as	ADP
easat-9618	43	11	the	the	DET
easat-9618	43	12	process	process	NOUN
easat-9618	43	13	of	of	ADP
easat-9618	43	14	planning	planning	NOUN
easat-9618	43	15	,	,	PUNCT
easat-9618	43	16	organizing	organize	VERB
easat-9618	43	17	,	,	PUNCT
easat-9618	43	18	directing	directing	NOUN
easat-9618	43	19	,	,	PUNCT
easat-9618	43	20	and	and	CCONJ
easat-9618	43	21	controlling	control	VERB
easat-9618	43	22	financial	financial	ADJ
easat-9618	43	23	activities	activity	NOUN
easat-9618	43	24	such	such	ADJ
easat-9618	43	25	as	as	ADP
easat-9618	43	26	funding	funding	NOUN
easat-9618	43	27	acquisition	acquisition	NOUN
easat-9618	43	28	and	and	CCONJ
easat-9618	43	29	allocation	allocation	NOUN
easat-9618	43	30	.	.	PUNCT
easat-9618	44	1	gherghina	gherghina	PROPN
easat-9618	44	2	,	,	PUNCT
easat-9618	44	3	et	et	PROPN
easat-9618	44	4	al	al	PROPN
easat-9618	44	5	.	.	PUNCT
easat-9618	45	1	[	[	X
easat-9618	45	2	19	19	NUM
easat-9618	45	3	]	]	PUNCT
easat-9618	45	4	highlight	highlight	VERB
easat-9618	45	5	that	that	SCONJ
easat-9618	45	6	financial	financial	ADJ
easat-9618	45	7	management	management	NOUN
easat-9618	45	8	also	also	ADV
easat-9618	45	9	involves	involve	VERB
easat-9618	45	10	distributing	distribute	VERB
easat-9618	45	11	scarce	scarce	ADJ
easat-9618	45	12	financial	financial	ADJ
easat-9618	45	13	resources	resource	NOUN
easat-9618	45	14	among	among	ADP
easat-9618	45	15	competing	compete	VERB
easat-9618	45	16	organizational	organizational	ADJ
easat-9618	45	17	needs	need	NOUN
easat-9618	45	18	.	.	PUNCT
easat-9618	46	1	in	in	ADP
easat-9618	46	2	smes	sme	NOUN
easat-9618	46	3	,	,	PUNCT
easat-9618	46	4	resource	resource	NOUN
easat-9618	46	5	limitations	limitation	NOUN
easat-9618	46	6	make	make	VERB
easat-9618	46	7	financial	financial	ADJ
easat-9618	46	8	planning	planning	NOUN
easat-9618	46	9	and	and	CCONJ
easat-9618	46	10	allocation	allocation	NOUN
easat-9618	46	11	particularly	particularly	ADV
easat-9618	46	12	critical	critical	ADJ
easat-9618	46	13	.	.	PUNCT
easat-9618	47	1	xu	xu	INTJ
easat-9618	47	2	,	,	PUNCT
easat-9618	47	3	et	et	PROPN
easat-9618	47	4	al	al	PROPN
easat-9618	47	5	.	.	PUNCT
easat-9618	48	1	[	[	X
easat-9618	48	2	20	20	NUM
easat-9618	48	3	]	]	PUNCT
easat-9618	48	4	that	that	PRON
easat-9618	48	5	adopting	adopt	VERB
easat-9618	48	6	strategic	strategic	ADJ
easat-9618	48	7	financial	financial	ADJ
easat-9618	48	8	practices	practice	NOUN
easat-9618	48	9	and	and	CCONJ
easat-9618	48	10	establishing	establish	VERB
easat-9618	48	11	strong	strong	ADJ
easat-9618	48	12	financial	financial	ADJ
easat-9618	48	13	reporting	reporting	NOUN
easat-9618	48	14	systems	system	NOUN
easat-9618	48	15	are	be	AUX
easat-9618	48	16	key	key	ADJ
easat-9618	48	17	to	to	ADP
easat-9618	48	18	enhancing	enhance	VERB
easat-9618	48	19	sme	sme	NOUN
easat-9618	48	20	performance	performance	NOUN
easat-9618	48	21	and	and	CCONJ
easat-9618	48	22	sustainability	sustainability	NOUN
easat-9618	48	23	.	.	PUNCT
easat-9618	49	1	financial	financial	ADJ
easat-9618	49	2	literacy	literacy	NOUN
easat-9618	49	3	,	,	PUNCT
easat-9618	49	4	according	accord	VERB
easat-9618	49	5	to	to	ADP
easat-9618	49	6	agarwalla	agarwalla	NOUN
easat-9618	49	7	,	,	PUNCT
easat-9618	49	8	et	et	PROPN
easat-9618	49	9	al	al	PROPN
easat-9618	49	10	.	.	PUNCT
easat-9618	50	1	[	[	X
easat-9618	50	2	21	21	NUM
easat-9618	50	3	]	]	X
easat-9618	50	4	is	be	AUX
easat-9618	50	5	the	the	DET
easat-9618	50	6	ability	ability	NOUN
easat-9618	50	7	to	to	PART
easat-9618	50	8	understand	understand	VERB
easat-9618	50	9	and	and	CCONJ
easat-9618	50	10	use	use	VERB
easat-9618	50	11	financial	financial	ADJ
easat-9618	50	12	tools	tool	NOUN
easat-9618	50	13	and	and	CCONJ
easat-9618	50	14	concepts	concept	NOUN
easat-9618	50	15	for	for	ADP
easat-9618	50	16	effective	effective	ADJ
easat-9618	50	17	decision	decision	NOUN
easat-9618	50	18	-	-	PUNCT
easat-9618	50	19	making	making	NOUN
easat-9618	50	20	.	.	PUNCT
easat-9618	51	1	yakob	yakob	NOUN
easat-9618	51	2	,	,	PUNCT
easat-9618	51	3	et	et	PROPN
easat-9618	51	4	al	al	PROPN
easat-9618	51	5	.	.	PUNCT
easat-9618	52	1	[	[	X
easat-9618	52	2	22	22	NUM
easat-9618	52	3	]	]	PUNCT
easat-9618	52	4	identify	identify	VERB
easat-9618	52	5	five	five	NUM
easat-9618	52	6	dimensions	dimension	NOUN
easat-9618	52	7	of	of	ADP
easat-9618	52	8	financial	financial	ADJ
easat-9618	52	9	literacy	literacy	NOUN
easat-9618	52	10	:	:	PUNCT
easat-9618	52	11	money	money	NOUN
easat-9618	52	12	management	management	NOUN
easat-9618	52	13	,	,	PUNCT
easat-9618	52	14	savings	saving	NOUN
easat-9618	52	15	,	,	PUNCT
easat-9618	52	16	debt	debt	NOUN
easat-9618	52	17	,	,	PUNCT
easat-9618	52	18	investment	investment	NOUN
easat-9618	52	19	,	,	PUNCT
easat-9618	52	20	and	and	CCONJ
easat-9618	52	21	insurance	insurance	NOUN
easat-9618	52	22	.	.	PUNCT
easat-9618	53	1	the	the	DET
easat-9618	53	2	oecd	oecd	PROPN
easat-9618	53	3	[	[	X
easat-9618	53	4	23	23	NUM
easat-9618	53	5	]	]	PUNCT
easat-9618	53	6	expands	expand	VERB
easat-9618	53	7	this	this	PRON
easat-9618	53	8	by	by	ADP
easat-9618	53	9	including	include	VERB
easat-9618	53	10	budgeting	budgeting	NOUN
easat-9618	53	11	,	,	PUNCT
easat-9618	53	12	shortand	shortand	NOUN
easat-9618	53	13	long	long	ADJ
easat-9618	53	14	-	-	PUNCT
easat-9618	53	15	term	term	NOUN
easat-9618	53	16	planning	planning	NOUN
easat-9618	53	17	,	,	PUNCT
easat-9618	53	18	and	and	CCONJ
easat-9618	53	19	financial	financial	ADJ
easat-9618	53	20	product	product	NOUN
easat-9618	53	21	selection	selection	NOUN
easat-9618	53	22	.	.	PUNCT
easat-9618	54	1	this	this	DET
easat-9618	54	2	study	study	NOUN
easat-9618	54	3	adopts	adopt	VERB
easat-9618	54	4	seven	seven	NUM
easat-9618	54	5	dimensions	dimension	NOUN
easat-9618	54	6	to	to	PART
easat-9618	54	7	measure	measure	VERB
easat-9618	54	8	financial	financial	ADJ
easat-9618	54	9	literacy	literacy	NOUN
easat-9618	54	10	:	:	PUNCT
easat-9618	54	11	basic	basic	ADJ
easat-9618	54	12	financial	financial	ADJ
easat-9618	54	13	knowledge	knowledge	NOUN
easat-9618	54	14	,	,	PUNCT
easat-9618	54	15	savings	saving	NOUN
easat-9618	54	16	and	and	CCONJ
easat-9618	54	17	loans	loan	NOUN
easat-9618	54	18	,	,	PUNCT
easat-9618	54	19	insurance	insurance	NOUN
easat-9618	54	20	,	,	PUNCT
easat-9618	54	21	investment	investment	NOUN
easat-9618	54	22	,	,	PUNCT
easat-9618	54	23	inflation	inflation	NOUN
easat-9618	54	24	,	,	PUNCT
easat-9618	54	25	risk	risk	NOUN
easat-9618	54	26	management	management	NOUN
easat-9618	54	27	,	,	PUNCT
easat-9618	54	28	and	and	CCONJ
easat-9618	54	29	tax	tax	NOUN
easat-9618	54	30	knowledge	knowledge	NOUN
easat-9618	54	31	.	.	PUNCT
easat-9618	55	1	financial	financial	ADJ
easat-9618	55	2	management	management	NOUN
easat-9618	55	3	behavior	behavior	NOUN
easat-9618	55	4	,	,	PUNCT
easat-9618	55	5	as	as	SCONJ
easat-9618	55	6	defined	define	VERB
easat-9618	55	7	by	by	ADP
easat-9618	55	8	kholilah	kholilah	PROPN
easat-9618	55	9	and	and	CCONJ
easat-9618	55	10	iramani	iramani	VERB
easat-9618	56	1	[	[	X
easat-9618	56	2	24	24	NUM
easat-9618	56	3	]	]	PUNCT
easat-9618	56	4	is	be	AUX
easat-9618	56	5	the	the	DET
easat-9618	56	6	ability	ability	NOUN
easat-9618	56	7	to	to	PART
easat-9618	56	8	plan	plan	VERB
easat-9618	56	9	,	,	PUNCT
easat-9618	56	10	budget	budget	NOUN
easat-9618	56	11	,	,	PUNCT
easat-9618	56	12	control	control	NOUN
easat-9618	56	13	,	,	PUNCT
easat-9618	56	14	manage	manage	VERB
easat-9618	56	15	,	,	PUNCT
easat-9618	56	16	and	and	CCONJ
easat-9618	56	17	store	store	VERB
easat-9618	56	18	daily	daily	ADJ
easat-9618	56	19	financial	financial	ADJ
easat-9618	56	20	resources	resource	NOUN
easat-9618	56	21	.	.	PUNCT
easat-9618	57	1	dew	dew	NOUN
easat-9618	57	2	and	and	CCONJ
easat-9618	57	3	xiao	xiao	PROPN
easat-9618	58	1	[	[	X
easat-9618	58	2	25	25	NUM
easat-9618	58	3	]	]	PUNCT
easat-9618	58	4	developed	develop	VERB
easat-9618	58	5	the	the	DET
easat-9618	58	6	financial	financial	ADJ
easat-9618	58	7	management	management	NOUN
easat-9618	58	8	behavior	behavior	NOUN
easat-9618	58	9	scale	scale	NOUN
easat-9618	58	10	(	(	PUNCT
easat-9618	58	11	fmbs	fmbs	ADJ
easat-9618	58	12	)	)	PUNCT
easat-9618	58	13	,	,	PUNCT
easat-9618	58	14	which	which	PRON
easat-9618	58	15	includes	include	VERB
easat-9618	58	16	four	four	NUM
easat-9618	58	17	key	key	ADJ
easat-9618	58	18	dimensions	dimension	NOUN
easat-9618	58	19	:	:	PUNCT
easat-9618	58	20	savings	saving	NOUN
easat-9618	58	21	and	and	CCONJ
easat-9618	58	22	investment	investment	NOUN
easat-9618	58	23	,	,	PUNCT
easat-9618	58	24	insurance	insurance	NOUN
easat-9618	58	25	,	,	PUNCT
easat-9618	58	26	cash	cash	NOUN
easat-9618	58	27	flow	flow	NOUN
easat-9618	58	28	,	,	PUNCT
easat-9618	58	29	and	and	CCONJ
easat-9618	58	30	credit	credit	NOUN
easat-9618	58	31	management	management	NOUN
easat-9618	58	32	.	.	PUNCT
easat-9618	59	1	this	this	DET
easat-9618	59	2	study	study	NOUN
easat-9618	59	3	categorizes	categorize	VERB
easat-9618	59	4	financial	financial	ADJ
easat-9618	59	5	management	management	NOUN
easat-9618	59	6	behavior	behavior	NOUN
easat-9618	59	7	into	into	ADP
easat-9618	59	8	four	four	NUM
easat-9618	59	9	areas	area	NOUN
easat-9618	59	10	:	:	PUNCT
easat-9618	59	11	financial	financial	ADJ
easat-9618	59	12	planning	planning	NOUN
easat-9618	59	13	,	,	PUNCT
easat-9618	59	14	record	record	NOUN
easat-9618	59	15	-	-	PUNCT
easat-9618	59	16	keeping	keeping	NOUN
easat-9618	59	17	and	and	CCONJ
easat-9618	59	18	monitoring	monitoring	NOUN
easat-9618	59	19	,	,	PUNCT
easat-9618	59	20	financial	financial	ADJ
easat-9618	59	21	evaluation	evaluation	NOUN
easat-9618	59	22	,	,	PUNCT
easat-9618	59	23	and	and	CCONJ
easat-9618	59	24	financial	financial	ADJ
easat-9618	59	25	control	control	NOUN
easat-9618	59	26	.	.	PUNCT
easat-9618	60	1	business	business	NOUN
easat-9618	60	2	performance	performance	NOUN
easat-9618	60	3	is	be	AUX
easat-9618	60	4	commonly	commonly	ADV
easat-9618	60	5	measured	measure	VERB
easat-9618	60	6	through	through	ADP
easat-9618	60	7	indicators	indicator	NOUN
easat-9618	60	8	such	such	ADJ
easat-9618	60	9	as	as	ADP
easat-9618	60	10	sales	sale	NOUN
easat-9618	60	11	volume	volume	NOUN
easat-9618	60	12	,	,	PUNCT
easat-9618	60	13	profitability	profitability	NOUN
easat-9618	60	14	,	,	PUNCT
easat-9618	60	15	and	and	CCONJ
easat-9618	60	16	market	market	NOUN
easat-9618	60	17	share	share	NOUN
easat-9618	60	18	najib	najib	NOUN
easat-9618	60	19	and	and	CCONJ
easat-9618	60	20	kiminami	kiminami	ADJ
easat-9618	61	1	[	[	X
easat-9618	61	2	26	26	NUM
easat-9618	61	3	]	]	PUNCT
easat-9618	61	4	.	.	PUNCT
easat-9618	62	1	soto	soto	PROPN
easat-9618	62	2	-	-	PUNCT
easat-9618	62	3	acosta	acosta	PROPN
easat-9618	62	4	,	,	PUNCT
easat-9618	62	5	et	et	PROPN
easat-9618	62	6	al	al	PROPN
easat-9618	62	7	.	.	PUNCT
easat-9618	63	1	[	[	X
easat-9618	63	2	27	27	NUM
easat-9618	63	3	]	]	PUNCT
easat-9618	63	4	suggest	suggest	VERB
easat-9618	63	5	additional	additional	ADJ
easat-9618	63	6	indicators	indicator	NOUN
easat-9618	63	7	,	,	PUNCT
easat-9618	63	8	including	include	VERB
easat-9618	63	9	business	business	NOUN
easat-9618	63	10	effectiveness	effectiveness	NOUN
easat-9618	63	11	and	and	CCONJ
easat-9618	63	12	competitiveness	competitiveness	NOUN
easat-9618	63	13	.	.	PUNCT
easat-9618	64	1	agbim	agbim	NOUN
easat-9618	65	1	[	[	X
easat-9618	65	2	28	28	NUM
easat-9618	65	3	]	]	PUNCT
easat-9618	65	4	and	and	CCONJ
easat-9618	65	5	tuffour	tuffour	NOUN
easat-9618	65	6	,	,	PUNCT
easat-9618	65	7	et	et	PROPN
easat-9618	65	8	al	al	PROPN
easat-9618	65	9	.	.	PUNCT
easat-9618	66	1	[	[	X
easat-9618	66	2	29	29	NUM
easat-9618	66	3	]	]	PUNCT
easat-9618	66	4	divide	divide	NOUN
easat-9618	66	5	performance	performance	NOUN
easat-9618	66	6	into	into	ADP
easat-9618	66	7	financial	financial	ADJ
easat-9618	66	8	and	and	CCONJ
easat-9618	66	9	non	non	ADJ
easat-9618	66	10	-	-	ADJ
easat-9618	66	11	financial	financial	ADJ
easat-9618	66	12	dimensions	dimension	NOUN
easat-9618	66	13	.	.	PUNCT
easat-9618	67	1	financial	financial	ADJ
easat-9618	67	2	metrics	metric	NOUN
easat-9618	67	3	include	include	VERB
easat-9618	67	4	profit	profit	NOUN
easat-9618	67	5	and	and	CCONJ
easat-9618	67	6	growth	growth	NOUN
easat-9618	67	7	,	,	PUNCT
easat-9618	67	8	measured	measure	VERB
easat-9618	67	9	through	through	ADP
easat-9618	67	10	return	return	NOUN
easat-9618	67	11	on	on	ADP
easat-9618	67	12	assets	asset	NOUN
easat-9618	67	13	,	,	PUNCT
easat-9618	67	14	return	return	VERB
easat-9618	67	15	on	on	ADP
easat-9618	67	16	investment	investment	NOUN
easat-9618	67	17	,	,	PUNCT
easat-9618	67	18	earnings	earning	NOUN
easat-9618	67	19	per	per	ADP
easat-9618	67	20	share	share	NOUN
easat-9618	67	21	,	,	PUNCT
easat-9618	67	22	and	and	CCONJ
easat-9618	67	23	revenue	revenue	NOUN
easat-9618	67	24	growth	growth	NOUN
easat-9618	67	25	[	[	X
easat-9618	67	26	30	30	NUM
easat-9618	67	27	,	,	PUNCT
easat-9618	67	28	31	31	NUM
easat-9618	67	29	]	]	PUNCT
easat-9618	67	30	.	.	PUNCT
easat-9618	68	1	non	non	ADJ
easat-9618	68	2	-	-	ADJ
easat-9618	68	3	financial	financial	ADJ
easat-9618	68	4	metrics	metric	NOUN
easat-9618	68	5	include	include	VERB
easat-9618	68	6	customer	customer	NOUN
easat-9618	68	7	satisfaction	satisfaction	NOUN
easat-9618	68	8	,	,	PUNCT
easat-9618	68	9	delivery	delivery	NOUN
easat-9618	68	10	timeliness	timeliness	NOUN
easat-9618	68	11	,	,	PUNCT
easat-9618	68	12	wait	wait	VERB
easat-9618	68	13	time	time	NOUN
easat-9618	68	14	,	,	PUNCT
easat-9618	68	15	referrals	referral	NOUN
easat-9618	68	16	,	,	PUNCT
easat-9618	68	17	and	and	CCONJ
easat-9618	68	18	employee	employee	NOUN
easat-9618	68	19	turnover	turnover	NOUN
easat-9618	68	20	.	.	PUNCT
easat-9618	69	1	in	in	ADP
easat-9618	69	2	this	this	DET
easat-9618	69	3	study	study	NOUN
easat-9618	69	4	,	,	PUNCT
easat-9618	69	5	business	business	NOUN
easat-9618	69	6	performance	performance	NOUN
easat-9618	69	7	is	be	AUX
easat-9618	69	8	measured	measure	VERB
easat-9618	69	9	through	through	ADP
easat-9618	69	10	four	four	NUM
easat-9618	69	11	dimensions	dimension	NOUN
easat-9618	69	12	:	:	PUNCT
easat-9618	69	13	profitability	profitability	NOUN
easat-9618	69	14	,	,	PUNCT
easat-9618	69	15	growth	growth	NOUN
easat-9618	69	16	,	,	PUNCT
easat-9618	69	17	business	business	NOUN
easat-9618	69	18	effectiveness	effectiveness	NOUN
easat-9618	69	19	,	,	PUNCT
easat-9618	69	20	and	and	CCONJ
easat-9618	69	21	competitiveness	competitiveness	NOUN
easat-9618	69	22	.	.	PUNCT
easat-9618	70	1	3	3	X
easat-9618	70	2	.	.	X
easat-9618	70	3	research	research	NOUN
easat-9618	70	4	methodology	methodology	NOUN
easat-9618	70	5	this	this	DET
easat-9618	70	6	research	research	NOUN
easat-9618	70	7	adopts	adopt	VERB
easat-9618	70	8	a	a	DET
easat-9618	70	9	quantitative	quantitative	ADJ
easat-9618	70	10	approach	approach	NOUN
easat-9618	70	11	utilizing	utilize	VERB
easat-9618	70	12	a	a	DET
easat-9618	70	13	structured	structured	ADJ
easat-9618	70	14	survey	survey	NOUN
easat-9618	70	15	design	design	NOUN
easat-9618	70	16	.	.	PUNCT
easat-9618	71	1	the	the	DET
easat-9618	71	2	analysis	analysis	NOUN
easat-9618	71	3	employs	employ	VERB
easat-9618	71	4	structural	structural	ADJ
easat-9618	71	5	equation	equation	NOUN
easat-9618	71	6	modeling	modeling	NOUN
easat-9618	71	7	(	(	PUNCT
easat-9618	71	8	sem	sem	NOUN
easat-9618	71	9	)	)	PUNCT
easat-9618	71	10	with	with	ADP
easat-9618	71	11	amos	amos	PROPN
easat-9618	71	12	to	to	PART
easat-9618	71	13	evaluate	evaluate	VERB
easat-9618	71	14	the	the	DET
easat-9618	71	15	proposed	propose	VERB
easat-9618	71	16	hypotheses	hypothesis	NOUN
easat-9618	71	17	.	.	PUNCT
easat-9618	72	1	the	the	DET
easat-9618	72	2	target	target	NOUN
easat-9618	72	3	population	population	NOUN
easat-9618	72	4	includes	include	VERB
easat-9618	72	5	digitalized	digitalize	VERB
easat-9618	72	6	msmes	msme	NOUN
easat-9618	72	7	operating	operate	VERB
easat-9618	72	8	in	in	ADP
easat-9618	72	9	west	west	PROPN
easat-9618	72	10	java	java	PROPN
easat-9618	72	11	province	province	PROPN
easat-9618	72	12	,	,	PUNCT
easat-9618	72	13	indonesia	indonesia	PROPN
easat-9618	72	14	.	.	PROPN
easat-9618	73	1	1408	1408	NUM
easat-9618	73	2	edelweiss	edelweiss	PROPN
easat-9618	73	3	applied	apply	VERB
easat-9618	73	4	science	science	NOUN
easat-9618	73	5	and	and	CCONJ
easat-9618	73	6	technology	technology	NOUN
easat-9618	73	7	issn	issn	PROPN
easat-9618	73	8	:	:	PUNCT
easat-9618	73	9	2576	2576	NUM
easat-9618	73	10	-	-	SYM
easat-9618	73	11	8484	8484	NUM
easat-9618	73	12	vol	vol	NOUN
easat-9618	73	13	.	.	PROPN
easat-9618	74	1	9	9	NUM
easat-9618	74	2	,	,	PUNCT
easat-9618	74	3	no	no	INTJ
easat-9618	74	4	.	.	NOUN
easat-9618	74	5	8	8	NUM
easat-9618	74	6	:	:	PUNCT
easat-9618	74	7	1406	1406	NUM
easat-9618	74	8	-	-	SYM
easat-9618	74	9	1412	1412	NUM
easat-9618	74	10	,	,	PUNCT
easat-9618	74	11	2025	2025	NUM
easat-9618	74	12	doi	doi	NOUN
easat-9618	74	13	:	:	PUNCT
easat-9618	74	14	10.55214/2576	10.55214/2576	NUM
easat-9618	74	15	-	-	NOUN
easat-9618	74	16	8484.v9i8.9618	8484.v9i8.9618	NOUN
easat-9618	74	17	©	©	PROPN
easat-9618	74	18	2025	2025	NUM
easat-9618	74	19	by	by	ADP
easat-9618	74	20	the	the	DET
easat-9618	74	21	authors	author	NOUN
easat-9618	74	22	;	;	PUNCT
easat-9618	74	23	licensee	licensee	PROPN
easat-9618	74	24	learning	learning	NOUN
easat-9618	74	25	gate	gate	VERB
easat-9618	74	26	a	a	DET
easat-9618	74	27	purposive	purposive	ADJ
easat-9618	74	28	sampling	sampling	NOUN
easat-9618	74	29	technique	technique	NOUN
easat-9618	74	30	was	be	AUX
easat-9618	74	31	used	use	VERB
easat-9618	74	32	to	to	PART
easat-9618	74	33	select	select	VERB
easat-9618	74	34	359	359	NUM
easat-9618	74	35	respondents	respondent	NOUN
easat-9618	74	36	who	who	PRON
easat-9618	74	37	met	meet	VERB
easat-9618	74	38	specific	specific	ADJ
easat-9618	74	39	criteria	criterion	NOUN
easat-9618	74	40	,	,	PUNCT
easat-9618	74	41	namely	namely	ADV
easat-9618	74	42	being	be	AUX
easat-9618	74	43	active	active	ADJ
easat-9618	74	44	business	business	NOUN
easat-9618	74	45	owners	owner	NOUN
easat-9618	74	46	who	who	PRON
easat-9618	74	47	have	have	AUX
easat-9618	74	48	integrated	integrate	VERB
easat-9618	74	49	digital	digital	ADJ
easat-9618	74	50	platforms	platform	NOUN
easat-9618	74	51	into	into	ADP
easat-9618	74	52	their	their	PRON
easat-9618	74	53	operations	operation	NOUN
easat-9618	74	54	.	.	PUNCT
easat-9618	75	1	the	the	DET
easat-9618	75	2	primary	primary	ADJ
easat-9618	75	3	instrument	instrument	NOUN
easat-9618	75	4	used	use	VERB
easat-9618	75	5	was	be	AUX
easat-9618	75	6	a	a	DET
easat-9618	75	7	structured	structured	ADJ
easat-9618	75	8	questionnaire	questionnaire	NOUN
easat-9618	75	9	consisting	consist	VERB
easat-9618	75	10	of	of	ADP
easat-9618	75	11	closed	closed	ADJ
easat-9618	75	12	-	-	PUNCT
easat-9618	75	13	ended	end	VERB
easat-9618	75	14	items	item	NOUN
easat-9618	75	15	measured	measure	VERB
easat-9618	75	16	on	on	ADP
easat-9618	75	17	a	a	DET
easat-9618	75	18	5	5	NUM
easat-9618	75	19	-	-	PUNCT
easat-9618	75	20	point	point	NOUN
easat-9618	75	21	likert	likert	ADJ
easat-9618	75	22	scale	scale	NOUN
easat-9618	75	23	(	(	PUNCT
easat-9618	75	24	1	1	NUM
easat-9618	75	25	=	=	NUM
easat-9618	75	26	strongly	strongly	ADV
easat-9618	75	27	disagree	disagree	VERB
easat-9618	75	28	,	,	PUNCT
easat-9618	75	29	5	5	NUM
easat-9618	75	30	=	=	PRON
easat-9618	75	31	strongly	strongly	ADV
easat-9618	75	32	agree	agree	VERB
easat-9618	75	33	)	)	PUNCT
easat-9618	75	34	.	.	PUNCT
easat-9618	76	1	before	before	ADP
easat-9618	76	2	data	data	NOUN
easat-9618	76	3	collection	collection	NOUN
easat-9618	76	4	,	,	PUNCT
easat-9618	76	5	the	the	DET
easat-9618	76	6	instrument	instrument	NOUN
easat-9618	76	7	underwent	underwent	NOUN
easat-9618	76	8	validity	validity	NOUN
easat-9618	76	9	and	and	CCONJ
easat-9618	76	10	reliability	reliability	NOUN
easat-9618	76	11	testing	testing	NOUN
easat-9618	76	12	.	.	PUNCT
easat-9618	77	1	validity	validity	NOUN
easat-9618	77	2	was	be	AUX
easat-9618	77	3	established	establish	VERB
easat-9618	77	4	through	through	ADP
easat-9618	77	5	pearson	pearson	NOUN
easat-9618	77	6	correlation	correlation	NOUN
easat-9618	77	7	,	,	PUNCT
easat-9618	77	8	and	and	CCONJ
easat-9618	77	9	all	all	DET
easat-9618	77	10	items	item	NOUN
easat-9618	77	11	met	meet	VERB
easat-9618	77	12	the	the	DET
easat-9618	77	13	minimum	minimum	ADJ
easat-9618	77	14	requirement	requirement	NOUN
easat-9618	77	15	of	of	ADP
easat-9618	77	16	r	r	NOUN
easat-9618	77	17	>	>	NOUN
easat-9618	77	18	0.361	0.361	NUM
easat-9618	77	19	.	.	PUNCT
easat-9618	78	1	reliability	reliability	NOUN
easat-9618	78	2	was	be	AUX
easat-9618	78	3	assessed	assess	VERB
easat-9618	78	4	using	use	VERB
easat-9618	78	5	cronbach	cronbach	NOUN
easat-9618	78	6	's	's	PART
easat-9618	78	7	alpha	alpha	NOUN
easat-9618	78	8	,	,	PUNCT
easat-9618	78	9	with	with	ADP
easat-9618	78	10	all	all	DET
easat-9618	78	11	constructs	construct	NOUN
easat-9618	78	12	exceeding	exceed	VERB
easat-9618	78	13	the	the	DET
easat-9618	78	14	threshold	threshold	NOUN
easat-9618	78	15	of	of	ADP
easat-9618	78	16	0.700	0.700	NUM
easat-9618	78	17	,	,	PUNCT
easat-9618	78	18	indicating	indicate	VERB
easat-9618	78	19	high	high	ADJ
easat-9618	78	20	internal	internal	ADJ
easat-9618	78	21	consistency	consistency	NOUN
easat-9618	78	22	.	.	PUNCT
easat-9618	79	1	data	datum	NOUN
easat-9618	79	2	were	be	AUX
easat-9618	79	3	analyzed	analyze	VERB
easat-9618	79	4	in	in	ADP
easat-9618	79	5	multiple	multiple	ADJ
easat-9618	79	6	stages	stage	NOUN
easat-9618	79	7	:	:	PUNCT
easat-9618	79	8	measurement	measurement	NOUN
easat-9618	79	9	model	model	NOUN
easat-9618	79	10	assessment	assessment	NOUN
easat-9618	79	11	through	through	ADP
easat-9618	79	12	confirmatory	confirmatory	ADJ
easat-9618	79	13	factor	factor	NOUN
easat-9618	79	14	analysis	analysis	NOUN
easat-9618	79	15	(	(	PUNCT
easat-9618	79	16	cfa	cfa	NOUN
easat-9618	79	17	)	)	PUNCT
easat-9618	79	18	,	,	PUNCT
easat-9618	79	19	reliability	reliability	NOUN
easat-9618	79	20	tests	test	NOUN
easat-9618	79	21	(	(	PUNCT
easat-9618	79	22	cr	cr	NOUN
easat-9618	79	23	and	and	CCONJ
easat-9618	79	24	ave	ave	PROPN
easat-9618	79	25	)	)	PUNCT
easat-9618	79	26	,	,	PUNCT
easat-9618	79	27	outlier	outlier	NOUN
easat-9618	79	28	detection	detection	NOUN
easat-9618	79	29	using	use	VERB
easat-9618	79	30	mahalanobis	mahalanobis	ADJ
easat-9618	79	31	distance	distance	NOUN
easat-9618	79	32	,	,	PUNCT
easat-9618	79	33	and	and	CCONJ
easat-9618	79	34	goodness	goodness	NOUN
easat-9618	79	35	-	-	PUNCT
easat-9618	79	36	of	of	ADP
easat-9618	79	37	-	-	PUNCT
easat-9618	79	38	fit	fit	NOUN
easat-9618	79	39	evaluation	evaluation	NOUN
easat-9618	79	40	based	base	VERB
easat-9618	79	41	on	on	ADP
easat-9618	79	42	standard	standard	ADJ
easat-9618	79	43	indices	index	NOUN
easat-9618	79	44	such	such	ADJ
easat-9618	79	45	as	as	ADP
easat-9618	79	46	cfi	cfi	PROPN
easat-9618	79	47	,	,	PUNCT
easat-9618	79	48	gfi	gfi	PROPN
easat-9618	79	49	,	,	PUNCT
easat-9618	79	50	tli	tli	PROPN
easat-9618	79	51	,	,	PUNCT
easat-9618	79	52	rmsea	rmsea	NOUN
easat-9618	79	53	,	,	PUNCT
easat-9618	79	54	and	and	CCONJ
easat-9618	79	55	chisquare	chisquare	PROPN
easat-9618	79	56	/	/	SYM
easat-9618	79	57	df	df	PROPN
easat-9618	79	58	ratio	ratio	NOUN
easat-9618	79	59	.	.	PUNCT
easat-9618	80	1	4	4	X
easat-9618	80	2	.	.	NOUN
easat-9618	80	3	results	result	VERB
easat-9618	80	4	the	the	DET
easat-9618	80	5	cfa	cfa	PROPN
easat-9618	80	6	results	result	NOUN
easat-9618	80	7	indicate	indicate	VERB
easat-9618	80	8	that	that	SCONJ
easat-9618	80	9	financial	financial	ADJ
easat-9618	80	10	literacy	literacy	NOUN
easat-9618	80	11	,	,	PUNCT
easat-9618	80	12	as	as	ADP
easat-9618	80	13	an	an	DET
easat-9618	80	14	exogenous	exogenous	ADJ
easat-9618	80	15	variable	variable	NOUN
easat-9618	80	16	,	,	PUNCT
easat-9618	80	17	is	be	AUX
easat-9618	80	18	reflected	reflect	VERB
easat-9618	80	19	through	through	ADP
easat-9618	80	20	seven	seven	NUM
easat-9618	80	21	dimensions	dimension	NOUN
easat-9618	80	22	and	and	CCONJ
easat-9618	80	23	21	21	NUM
easat-9618	80	24	observed	observed	ADJ
easat-9618	80	25	indicators	indicator	NOUN
easat-9618	80	26	,	,	PUNCT
easat-9618	80	27	with	with	ADP
easat-9618	80	28	all	all	DET
easat-9618	80	29	loading	loading	NOUN
easat-9618	80	30	factors	factor	NOUN
easat-9618	80	31	above	above	ADP
easat-9618	80	32	the	the	DET
easat-9618	80	33	minimum	minimum	ADJ
easat-9618	80	34	threshold	threshold	NOUN
easat-9618	80	35	of	of	ADP
easat-9618	80	36	0.5	0.5	NUM
easat-9618	80	37	.	.	PUNCT
easat-9618	81	1	likewise	likewise	ADV
easat-9618	81	2	,	,	PUNCT
easat-9618	81	3	financial	financial	ADJ
easat-9618	81	4	management	management	NOUN
easat-9618	81	5	behavior	behavior	NOUN
easat-9618	81	6	and	and	CCONJ
easat-9618	81	7	business	business	NOUN
easat-9618	81	8	performance	performance	NOUN
easat-9618	81	9	,	,	PUNCT
easat-9618	81	10	each	each	PRON
easat-9618	81	11	measured	measure	VERB
easat-9618	81	12	by	by	ADP
easat-9618	81	13	four	four	NUM
easat-9618	81	14	dimensions	dimension	NOUN
easat-9618	81	15	and	and	CCONJ
easat-9618	81	16	12	12	NUM
easat-9618	81	17	indicators	indicator	NOUN
easat-9618	81	18	showed	show	VERB
easat-9618	81	19	satisfactory	satisfactory	ADJ
easat-9618	81	20	factor	factor	NOUN
easat-9618	81	21	loadings	loading	NOUN
easat-9618	81	22	across	across	ADP
easat-9618	81	23	all	all	DET
easat-9618	81	24	constructs	construct	NOUN
easat-9618	81	25	.	.	PUNCT
easat-9618	82	1	construct	construct	VERB
easat-9618	82	2	reliability	reliability	NOUN
easat-9618	82	3	(	(	PUNCT
easat-9618	82	4	cr	cr	NOUN
easat-9618	82	5	)	)	PUNCT
easat-9618	82	6	and	and	CCONJ
easat-9618	82	7	average	average	ADJ
easat-9618	82	8	variance	variance	NOUN
easat-9618	82	9	extracted	extract	VERB
easat-9618	82	10	(	(	PUNCT
easat-9618	82	11	ave	ave	NOUN
easat-9618	82	12	)	)	PUNCT
easat-9618	82	13	were	be	AUX
easat-9618	82	14	used	use	VERB
easat-9618	82	15	to	to	PART
easat-9618	82	16	test	test	VERB
easat-9618	82	17	the	the	DET
easat-9618	82	18	reliability	reliability	NOUN
easat-9618	82	19	and	and	CCONJ
easat-9618	82	20	validity	validity	NOUN
easat-9618	82	21	of	of	ADP
easat-9618	82	22	each	each	DET
easat-9618	82	23	latent	latent	NOUN
easat-9618	82	24	construct	construct	VERB
easat-9618	82	25	.	.	PUNCT
easat-9618	83	1	all	all	DET
easat-9618	83	2	variables	variable	NOUN
easat-9618	83	3	showed	show	VERB
easat-9618	83	4	cr	cr	ADP
easat-9618	83	5	>	>	X
easat-9618	83	6	0.7	0.7	NUM
easat-9618	83	7	and	and	CCONJ
easat-9618	83	8	ave	ave	VERB
easat-9618	83	9	>	>	X
easat-9618	83	10	0.5	0.5	NUM
easat-9618	83	11	,	,	PUNCT
easat-9618	83	12	confirming	confirm	VERB
easat-9618	83	13	internal	internal	ADJ
easat-9618	83	14	consistency	consistency	NOUN
easat-9618	83	15	and	and	CCONJ
easat-9618	83	16	convergent	convergent	NOUN
easat-9618	83	17	validity	validity	NOUN
easat-9618	83	18	:	:	PUNCT
easat-9618	83	19	financial	financial	ADJ
easat-9618	83	20	literacy	literacy	NOUN
easat-9618	83	21	(	(	PUNCT
easat-9618	83	22	cr	cr	X
easat-9618	83	23	=	=	PUNCT
easat-9618	83	24	0.997	0.997	NUM
easat-9618	83	25	,	,	PUNCT
easat-9618	83	26	ave	ave	PROPN
easat-9618	83	27	=	=	PROPN
easat-9618	83	28	0.950	0.950	NUM
easat-9618	83	29	)	)	PUNCT
easat-9618	83	30	,	,	PUNCT
easat-9618	83	31	financial	financial	ADJ
easat-9618	83	32	management	management	NOUN
easat-9618	83	33	behavior	behavior	NOUN
easat-9618	83	34	(	(	PUNCT
easat-9618	83	35	cr	cr	NOUN
easat-9618	83	36	=	=	SYM
easat-9618	83	37	0.994	0.994	NUM
easat-9618	83	38	,	,	PUNCT
easat-9618	83	39	ave	ave	NOUN
easat-9618	83	40	=	=	PROPN
easat-9618	83	41	0.937	0.937	NUM
easat-9618	83	42	)	)	PUNCT
easat-9618	83	43	,	,	PUNCT
easat-9618	83	44	and	and	CCONJ
easat-9618	83	45	business	business	NOUN
easat-9618	83	46	performance	performance	NOUN
easat-9618	83	47	(	(	PUNCT
easat-9618	83	48	cr	cr	NOUN
easat-9618	83	49	=	=	SYM
easat-9618	83	50	0.994	0.994	NUM
easat-9618	83	51	,	,	PUNCT
easat-9618	83	52	ave	ave	NOUN
easat-9618	83	53	=	=	NOUN
easat-9618	83	54	0.931	0.931	NUM
easat-9618	83	55	)	)	PUNCT
easat-9618	83	56	.	.	PUNCT
easat-9618	84	1	no	no	DET
easat-9618	84	2	outliers	outlier	NOUN
easat-9618	84	3	were	be	AUX
easat-9618	84	4	detected	detect	VERB
easat-9618	84	5	,	,	PUNCT
easat-9618	84	6	as	as	ADV
easat-9618	84	7	all	all	DET
easat-9618	84	8	mahalanobis	mahalanobis	ADJ
easat-9618	84	9	distances	distance	NOUN
easat-9618	84	10	fell	fall	VERB
easat-9618	84	11	below	below	ADP
easat-9618	84	12	the	the	DET
easat-9618	84	13	chi	chi	ADJ
easat-9618	84	14	-	-	PUNCT
easat-9618	84	15	square	square	ADJ
easat-9618	84	16	critical	critical	ADJ
easat-9618	84	17	value	value	NOUN
easat-9618	84	18	of	of	ADP
easat-9618	84	19	404.182	404.182	NUM
easat-9618	84	20	.	.	PUNCT
easat-9618	85	1	the	the	DET
easat-9618	85	2	model	model	NOUN
easat-9618	85	3	’s	’s	PART
easat-9618	85	4	overall	overall	ADJ
easat-9618	85	5	goodness	goodness	NOUN
easat-9618	85	6	-	-	PUNCT
easat-9618	85	7	of	of	ADP
easat-9618	85	8	-	-	PUNCT
easat-9618	85	9	fit	fit	NOUN
easat-9618	85	10	is	be	AUX
easat-9618	85	11	acceptable	acceptable	ADJ
easat-9618	85	12	,	,	PUNCT
easat-9618	85	13	with	with	ADP
easat-9618	85	14	indices	index	NOUN
easat-9618	85	15	such	such	ADJ
easat-9618	85	16	as	as	ADP
easat-9618	85	17	rmsea	rmsea	NOUN
easat-9618	85	18	=	=	SYM
easat-9618	85	19	0.079	0.079	NUM
easat-9618	85	20	,	,	PUNCT
easat-9618	85	21	cmin	cmin	NOUN
easat-9618	85	22	/	/	SYM
easat-9618	85	23	df	df	PROPN
easat-9618	85	24	=	=	PUNCT
easat-9618	85	25	1.078	1.078	NUM
easat-9618	85	26	,	,	PUNCT
easat-9618	85	27	and	and	CCONJ
easat-9618	85	28	p	p	X
easat-9618	85	29	-	-	PUNCT
easat-9618	85	30	value	value	NOUN
easat-9618	85	31	=	=	SYM
easat-9618	85	32	0.051	0.051	NUM
easat-9618	85	33	indicating	indicate	VERB
easat-9618	85	34	good	good	ADJ
easat-9618	85	35	fit	fit	NOUN
easat-9618	85	36	,	,	PUNCT
easat-9618	85	37	while	while	SCONJ
easat-9618	85	38	gfi	gfi	PROPN
easat-9618	85	39	=	=	PROPN
easat-9618	85	40	0.858	0.858	NUM
easat-9618	85	41	,	,	PUNCT
easat-9618	85	42	agfi	agfi	NOUN
easat-9618	85	43	=	=	PUNCT
easat-9618	85	44	0.816	0.816	NUM
easat-9618	85	45	,	,	PUNCT
easat-9618	85	46	tli	tli	X
easat-9618	85	47	=	=	SYM
easat-9618	85	48	0.833	0.833	NUM
easat-9618	85	49	,	,	PUNCT
easat-9618	85	50	and	and	CCONJ
easat-9618	85	51	cfi	cfi	X
easat-9618	85	52	=	=	NOUN
easat-9618	85	53	0.853	0.853	NUM
easat-9618	85	54	fall	fall	VERB
easat-9618	85	55	within	within	ADP
easat-9618	85	56	marginally	marginally	ADV
easat-9618	85	57	acceptable	acceptable	ADJ
easat-9618	85	58	ranges	range	NOUN
easat-9618	85	59	[	[	X
easat-9618	85	60	32	32	NUM
easat-9618	85	61	]	]	PUNCT
easat-9618	85	62	.	.	PUNCT
easat-9618	86	1	table	table	NOUN
easat-9618	86	2	1	1	NUM
easat-9618	86	3	.	.	PUNCT
easat-9618	86	4	result	result	NOUN
easat-9618	86	5	of	of	ADP
easat-9618	86	6	direct	direct	ADJ
easat-9618	86	7	effect	effect	NOUN
easat-9618	86	8	hypothesis	hypothesis	NOUN
easat-9618	86	9	testing	testing	NOUN
easat-9618	86	10	.	.	PUNCT
easat-9618	87	1	structural	structural	ADJ
easat-9618	87	2	path	path	NOUN
easat-9618	87	3	estimate	estimate	NOUN
easat-9618	87	4	s.e	s.e	PROPN
easat-9618	87	5	.	.	PROPN
easat-9618	87	6	c.r	c.r	PROPN
easat-9618	87	7	.	.	PROPN
easat-9618	88	1	p	p	NOUN
easat-9618	88	2	-	-	PUNCT
easat-9618	88	3	value	value	NOUN
easat-9618	88	4	financial	financial	ADJ
easat-9618	88	5	literacy→	literacy→	PROPN
easat-9618	88	6	business	business	NOUN
easat-9618	88	7	performance	performance	NOUN
easat-9618	88	8	0.131	0.131	NUM
easat-9618	88	9	0.054	0.054	NUM
easat-9618	88	10	2.419	2.419	NUM
easat-9618	88	11	0.016	0.016	NUM
easat-9618	88	12	financial	financial	ADJ
easat-9618	88	13	literacy	literacy	NOUN
easat-9618	88	14	→	→	SYM
easat-9618	88	15	financial	financial	ADJ
easat-9618	88	16	management	management	NOUN
easat-9618	88	17	behavior	behavior	NOUN
easat-9618	88	18	0.774	0.774	NUM
easat-9618	88	19	0.067	0.067	NUM
easat-9618	88	20	11.603	11.603	NUM
easat-9618	88	21	0.000	0.000	NUM
easat-9618	88	22	financial	financial	ADJ
easat-9618	88	23	management	management	NOUN
easat-9618	88	24	behavior	behavior	NOUN
easat-9618	88	25	→	→	SYM
easat-9618	88	26	business	business	NOUN
easat-9618	88	27	performance	performance	NOUN
easat-9618	88	28	0.749	0.749	NUM
easat-9618	88	29	0.070	0.070	NUM
easat-9618	88	30	10.768	10.768	NUM
easat-9618	88	31	0.000	0.000	NUM
easat-9618	88	32	the	the	DET
easat-9618	88	33	structural	structural	ADJ
easat-9618	88	34	model	model	NOUN
easat-9618	88	35	analysis	analysis	NOUN
easat-9618	88	36	reveals	reveal	VERB
easat-9618	88	37	that	that	SCONJ
easat-9618	88	38	financial	financial	ADJ
easat-9618	88	39	literacy	literacy	NOUN
easat-9618	88	40	has	have	VERB
easat-9618	88	41	a	a	DET
easat-9618	88	42	significant	significant	ADJ
easat-9618	88	43	direct	direct	ADJ
easat-9618	88	44	effect	effect	NOUN
easat-9618	88	45	on	on	ADP
easat-9618	88	46	business	business	NOUN
easat-9618	88	47	performance	performance	NOUN
easat-9618	88	48	,	,	PUNCT
easat-9618	88	49	with	with	ADP
easat-9618	88	50	a	a	DET
easat-9618	88	51	standardized	standardized	ADJ
easat-9618	88	52	estimate	estimate	NOUN
easat-9618	88	53	of	of	ADP
easat-9618	88	54	0.131	0.131	NUM
easat-9618	88	55	(	(	PUNCT
easat-9618	88	56	cr	cr	X
easat-9618	88	57	=	=	SYM
easat-9618	88	58	2.419	2.419	NUM
easat-9618	88	59	,	,	PUNCT
easat-9618	88	60	p	p	X
easat-9618	88	61	=	=	NOUN
easat-9618	88	62	0.016	0.016	NUM
easat-9618	88	63	)	)	PUNCT
easat-9618	88	64	.	.	PUNCT
easat-9618	89	1	this	this	PRON
easat-9618	89	2	indicates	indicate	VERB
easat-9618	89	3	that	that	SCONJ
easat-9618	89	4	msme	msme	NOUN
easat-9618	89	5	owners	owner	NOUN
easat-9618	89	6	with	with	ADP
easat-9618	89	7	higher	high	ADJ
easat-9618	89	8	levels	level	NOUN
easat-9618	89	9	of	of	ADP
easat-9618	89	10	financial	financial	ADJ
easat-9618	89	11	literacy	literacy	NOUN
easat-9618	89	12	are	be	AUX
easat-9618	89	13	more	more	ADV
easat-9618	89	14	likely	likely	ADJ
easat-9618	89	15	to	to	PART
easat-9618	89	16	experience	experience	VERB
easat-9618	89	17	improved	improved	ADJ
easat-9618	89	18	business	business	NOUN
easat-9618	89	19	outcomes	outcome	NOUN
easat-9618	89	20	.	.	PUNCT
easat-9618	90	1	furthermore	furthermore	ADV
easat-9618	90	2	,	,	PUNCT
easat-9618	90	3	financial	financial	ADJ
easat-9618	90	4	literacy	literacy	NOUN
easat-9618	90	5	exerts	exert	VERB
easat-9618	90	6	a	a	DET
easat-9618	90	7	strong	strong	ADJ
easat-9618	90	8	and	and	CCONJ
easat-9618	90	9	highly	highly	ADV
easat-9618	90	10	significant	significant	ADJ
easat-9618	90	11	effect	effect	NOUN
easat-9618	90	12	on	on	ADP
easat-9618	90	13	financial	financial	ADJ
easat-9618	90	14	management	management	NOUN
easat-9618	90	15	behavior	behavior	NOUN
easat-9618	90	16	(	(	PUNCT
easat-9618	90	17	estimate	estimate	VERB
easat-9618	90	18	=	=	SYM
easat-9618	90	19	0.774	0.774	NUM
easat-9618	90	20	,	,	PUNCT
easat-9618	90	21	cr	cr	X
easat-9618	90	22	=	=	SYM
easat-9618	90	23	11.603	11.603	NUM
easat-9618	90	24	,	,	PUNCT
easat-9618	90	25	p	p	X
easat-9618	90	26	<	<	X
easat-9618	90	27	0.001	0.001	NUM
easat-9618	90	28	)	)	PUNCT
easat-9618	90	29	,	,	PUNCT
easat-9618	90	30	suggesting	suggest	VERB
easat-9618	90	31	that	that	SCONJ
easat-9618	90	32	financial	financial	ADJ
easat-9618	90	33	knowledge	knowledge	NOUN
easat-9618	90	34	substantially	substantially	ADV
easat-9618	90	35	influences	influence	VERB
easat-9618	90	36	how	how	SCONJ
easat-9618	90	37	entrepreneurs	entrepreneur	NOUN
easat-9618	90	38	manage	manage	VERB
easat-9618	90	39	their	their	PRON
easat-9618	90	40	financial	financial	ADJ
easat-9618	90	41	activities	activity	NOUN
easat-9618	90	42	daily	daily	ADV
easat-9618	90	43	.	.	PUNCT
easat-9618	91	1	in	in	ADP
easat-9618	91	2	addition	addition	NOUN
easat-9618	91	3	,	,	PUNCT
easat-9618	91	4	financial	financial	ADJ
easat-9618	91	5	management	management	NOUN
easat-9618	91	6	behavior	behavior	NOUN
easat-9618	91	7	shows	show	VERB
easat-9618	91	8	a	a	DET
easat-9618	91	9	significant	significant	ADJ
easat-9618	91	10	positive	positive	ADJ
easat-9618	91	11	influence	influence	NOUN
easat-9618	91	12	on	on	ADP
easat-9618	91	13	business	business	NOUN
easat-9618	91	14	performance	performance	NOUN
easat-9618	91	15	(	(	PUNCT
easat-9618	91	16	estimate	estimate	NOUN
easat-9618	91	17	=	=	NOUN
easat-9618	91	18	0.749	0.749	NUM
easat-9618	91	19	,	,	PUNCT
easat-9618	91	20	cr	cr	X
easat-9618	91	21	=	=	SYM
easat-9618	91	22	10.768	10.768	NUM
easat-9618	91	23	,	,	PUNCT
easat-9618	91	24	p	p	X
easat-9618	91	25	<	<	X
easat-9618	91	26	0.001	0.001	NUM
easat-9618	91	27	)	)	PUNCT
easat-9618	91	28	,	,	PUNCT
easat-9618	91	29	indicating	indicate	VERB
easat-9618	91	30	that	that	SCONJ
easat-9618	91	31	sound	sound	ADJ
easat-9618	91	32	financial	financial	ADJ
easat-9618	91	33	practices	practice	NOUN
easat-9618	91	34	play	play	VERB
easat-9618	91	35	a	a	DET
easat-9618	91	36	critical	critical	ADJ
easat-9618	91	37	role	role	NOUN
easat-9618	91	38	in	in	ADP
easat-9618	91	39	determining	determine	VERB
easat-9618	91	40	msme	msme	ADJ
easat-9618	91	41	success	success	NOUN
easat-9618	91	42	.	.	PUNCT
easat-9618	92	1	these	these	DET
easat-9618	92	2	results	result	NOUN
easat-9618	92	3	support	support	VERB
easat-9618	92	4	the	the	DET
easat-9618	92	5	theoretical	theoretical	ADJ
easat-9618	92	6	assertion	assertion	NOUN
easat-9618	92	7	that	that	SCONJ
easat-9618	92	8	financial	financial	ADJ
easat-9618	92	9	literacy	literacy	NOUN
easat-9618	92	10	contributes	contribute	VERB
easat-9618	92	11	to	to	ADP
easat-9618	92	12	business	business	NOUN
easat-9618	92	13	performance	performance	NOUN
easat-9618	92	14	not	not	PART
easat-9618	92	15	only	only	ADV
easat-9618	92	16	directly	directly	ADV
easat-9618	92	17	,	,	PUNCT
easat-9618	92	18	but	but	CCONJ
easat-9618	92	19	more	more	ADV
easat-9618	92	20	dominantly	dominantly	ADV
easat-9618	92	21	through	through	ADP
easat-9618	92	22	behavioral	behavioral	ADJ
easat-9618	92	23	mechanisms	mechanism	NOUN
easat-9618	92	24	.	.	PUNCT
easat-9618	93	1	this	this	PRON
easat-9618	93	2	provides	provide	VERB
easat-9618	93	3	empirical	empirical	ADJ
easat-9618	93	4	backing	backing	NOUN
easat-9618	93	5	for	for	ADP
easat-9618	93	6	the	the	DET
easat-9618	93	7	integration	integration	NOUN
easat-9618	93	8	of	of	ADP
easat-9618	93	9	behavioral	behavioral	ADJ
easat-9618	93	10	finance	finance	NOUN
easat-9618	93	11	theory	theory	NOUN
easat-9618	93	12	into	into	ADP
easat-9618	93	13	msme	msme	NOUN
easat-9618	93	14	performance	performance	NOUN
easat-9618	93	15	modeling	modeling	NOUN
easat-9618	93	16	,	,	PUNCT
easat-9618	93	17	particularly	particularly	ADV
easat-9618	93	18	within	within	ADP
easat-9618	93	19	the	the	DET
easat-9618	93	20	context	context	NOUN
easat-9618	93	21	of	of	ADP
easat-9618	93	22	digital	digital	ADJ
easat-9618	93	23	transformation	transformation	NOUN
easat-9618	93	24	in	in	ADP
easat-9618	93	25	developing	develop	VERB
easat-9618	93	26	economies	economy	NOUN
easat-9618	93	27	.	.	PUNCT
easat-9618	94	1	1409	1409	NUM
easat-9618	94	2	edelweiss	edelweiss	PROPN
easat-9618	94	3	applied	apply	VERB
easat-9618	94	4	science	science	NOUN
easat-9618	94	5	and	and	CCONJ
easat-9618	94	6	technology	technology	NOUN
easat-9618	94	7	issn	issn	PROPN
easat-9618	94	8	:	:	PUNCT
easat-9618	94	9	2576	2576	NUM
easat-9618	94	10	-	-	SYM
easat-9618	94	11	8484	8484	NUM
easat-9618	94	12	vol	vol	NOUN
easat-9618	94	13	.	.	PROPN
easat-9618	95	1	9	9	NUM
easat-9618	95	2	,	,	PUNCT
easat-9618	95	3	no	no	INTJ
easat-9618	95	4	.	.	NOUN
easat-9618	95	5	8	8	NUM
easat-9618	95	6	:	:	PUNCT
easat-9618	95	7	1406	1406	NUM
easat-9618	95	8	-	-	SYM
easat-9618	95	9	1412	1412	NUM
easat-9618	95	10	,	,	PUNCT
easat-9618	95	11	2025	2025	NUM
easat-9618	95	12	doi	doi	NOUN
easat-9618	95	13	:	:	PUNCT
easat-9618	95	14	10.55214/2576	10.55214/2576	NUM
easat-9618	95	15	-	-	NOUN
easat-9618	95	16	8484.v9i8.9618	8484.v9i8.9618	NOUN
easat-9618	95	17	©	©	PROPN
easat-9618	95	18	2025	2025	NUM
easat-9618	95	19	by	by	ADP
easat-9618	95	20	the	the	DET
easat-9618	95	21	authors	author	NOUN
easat-9618	95	22	;	;	PUNCT
easat-9618	95	23	licensee	licensee	PROPN
easat-9618	95	24	learning	learn	VERB
easat-9618	95	25	gate	gate	NOUN
easat-9618	95	26	table	table	NOUN
easat-9618	95	27	2	2	NUM
easat-9618	95	28	.	.	X
easat-9618	95	29	result	result	NOUN
easat-9618	95	30	of	of	ADP
easat-9618	95	31	indirect	indirect	ADJ
easat-9618	95	32	effect	effect	NOUN
easat-9618	95	33	hypothesis	hypothesis	NOUN
easat-9618	95	34	testing	testing	NOUN
easat-9618	95	35	.	.	PUNCT
easat-9618	96	1	structural	structural	ADJ
easat-9618	96	2	path	path	NOUN
easat-9618	96	3	c.r	c.r	PROPN
easat-9618	96	4	.	.	PUNCT
easat-9618	97	1	p	p	ADJ
easat-9618	97	2	-	-	PUNCT
easat-9618	97	3	value	value	NOUN
easat-9618	97	4	financial	financial	ADJ
easat-9618	97	5	literacy	literacy	NOUN
easat-9618	97	6	→	→	SYM
easat-9618	97	7	financial	financial	ADJ
easat-9618	97	8	management	management	NOUN
easat-9618	97	9	behavior	behavior	NOUN
easat-9618	97	10	→	→	SYM
easat-9618	97	11	business	business	NOUN
easat-9618	97	12	performance	performance	NOUN
easat-9618	97	13	7.850	7.850	NUM
easat-9618	97	14	0.000	0.000	NUM
easat-9618	97	15	based	base	VERB
easat-9618	97	16	on	on	ADP
easat-9618	97	17	table	table	NOUN
easat-9618	97	18	2	2	NUM
easat-9618	97	19	,	,	PUNCT
easat-9618	97	20	the	the	DET
easat-9618	97	21	results	result	NOUN
easat-9618	97	22	of	of	ADP
easat-9618	97	23	the	the	DET
easat-9618	97	24	indirect	indirect	ADJ
easat-9618	97	25	effect	effect	NOUN
easat-9618	97	26	analysis	analysis	NOUN
easat-9618	97	27	using	use	VERB
easat-9618	97	28	the	the	DET
easat-9618	97	29	sem	sem	PROPN
easat-9618	97	30	-	-	PUNCT
easat-9618	97	31	amos	amos	PROPN
easat-9618	97	32	approach	approach	NOUN
easat-9618	97	33	indicate	indicate	VERB
easat-9618	97	34	a	a	DET
easat-9618	97	35	statistically	statistically	ADV
easat-9618	97	36	significant	significant	ADJ
easat-9618	97	37	relationship	relationship	NOUN
easat-9618	97	38	,	,	PUNCT
easat-9618	97	39	with	with	ADP
easat-9618	97	40	a	a	DET
easat-9618	97	41	critical	critical	ADJ
easat-9618	97	42	ratio	ratio	NOUN
easat-9618	97	43	(	(	PUNCT
easat-9618	97	44	cr	cr	NOUN
easat-9618	97	45	)	)	PUNCT
easat-9618	97	46	of	of	ADP
easat-9618	97	47	7.850	7.850	NUM
easat-9618	97	48	and	and	CCONJ
easat-9618	97	49	a	a	DET
easat-9618	97	50	p	p	NOUN
easat-9618	97	51	-	-	PUNCT
easat-9618	97	52	value	value	NOUN
easat-9618	97	53	of	of	ADP
easat-9618	97	54	0.000	0.000	NUM
easat-9618	97	55	(	(	PUNCT
easat-9618	97	56	p	p	X
easat-9618	97	57	<	<	X
easat-9618	97	58	0.05	0.05	NUM
easat-9618	97	59	)	)	PUNCT
easat-9618	97	60	.	.	PUNCT
easat-9618	98	1	table	table	NOUN
easat-9618	98	2	3	3	NUM
easat-9618	98	3	.	.	PUNCT
easat-9618	99	1	interpretation	interpretation	NOUN
easat-9618	99	2	of	of	ADP
easat-9618	99	3	mediation	mediation	NOUN
easat-9618	99	4	analysis	analysis	NOUN
easat-9618	99	5	results	result	NOUN
easat-9618	99	6	.	.	PUNCT
easat-9618	100	1	hypothesis	hypothesis	NOUN
easat-9618	100	2	natural	natural	ADJ
easat-9618	100	3	indirect	indirect	ADJ
easat-9618	100	4	effect	effect	NOUN
easat-9618	100	5	(	(	PUNCT
easat-9618	100	6	nie	nie	PROPN
easat-9618	100	7	=	=	PROPN
easat-9618	100	8	a	a	DET
easat-9618	100	9	x	x	SYM
easat-9618	100	10	b	b	NOUN
easat-9618	100	11	)	)	PUNCT
easat-9618	100	12	direct	direct	ADJ
easat-9618	100	13	effect	effect	NOUN
easat-9618	100	14	(	(	PUNCT
easat-9618	100	15	c	c	NOUN
easat-9618	100	16	’	'	PUNCT
easat-9618	100	17	)	)	PUNCT
easat-9618	100	18	total	total	ADJ
easat-9618	100	19	effect	effect	NOUN
easat-9618	100	20	(	(	PUNCT
easat-9618	100	21	c	c	NOUN
easat-9618	100	22	)	)	PUNCT
easat-9618	100	23	mediation	mediation	NOUN
easat-9618	100	24	proportion	proportion	NOUN
easat-9618	100	25	mediation	mediation	NOUN
easat-9618	100	26	strength	strength	NOUN
easat-9618	100	27	category	category	NOUN
easat-9618	100	28	h1	h1	VERB
easat-9618	100	29	0.580	0.580	NUM
easat-9618	100	30	0.131	0.131	NUM
easat-9618	100	31	0.711	0.711	NUM
easat-9618	100	32	0.8157	0.8157	NUM
easat-9618	100	33	dominant	dominant	NOUN
easat-9618	100	34	based	base	VERB
easat-9618	100	35	on	on	ADP
easat-9618	100	36	table	table	NOUN
easat-9618	100	37	3	3	NUM
easat-9618	100	38	,	,	PUNCT
easat-9618	100	39	the	the	DET
easat-9618	100	40	mediation	mediation	NOUN
easat-9618	100	41	proportion	proportion	NOUN
easat-9618	100	42	was	be	AUX
easat-9618	100	43	calculated	calculate	VERB
easat-9618	100	44	to	to	PART
easat-9618	100	45	assess	assess	VERB
easat-9618	100	46	the	the	DET
easat-9618	100	47	relative	relative	ADJ
easat-9618	100	48	contribution	contribution	NOUN
easat-9618	100	49	of	of	ADP
easat-9618	100	50	the	the	DET
easat-9618	100	51	indirect	indirect	ADJ
easat-9618	100	52	effect	effect	NOUN
easat-9618	100	53	to	to	ADP
easat-9618	100	54	the	the	DET
easat-9618	100	55	total	total	ADJ
easat-9618	100	56	effect	effect	NOUN
easat-9618	100	57	.	.	PUNCT
easat-9618	101	1	referring	refer	VERB
easat-9618	101	2	to	to	ADP
easat-9618	101	3	preacher	preacher	NOUN
easat-9618	101	4	and	and	CCONJ
easat-9618	101	5	kelley	kelley	NOUN
easat-9618	102	1	[	[	X
easat-9618	102	2	33	33	NUM
easat-9618	102	3	]	]	PUNCT
easat-9618	102	4	and	and	CCONJ
easat-9618	102	5	zhao	zhao	PROPN
easat-9618	102	6	,	,	PUNCT
easat-9618	102	7	et	et	PROPN
easat-9618	102	8	al	al	PROPN
easat-9618	102	9	.	.	PUNCT
easat-9618	103	1	[	[	X
easat-9618	103	2	34	34	NUM
easat-9618	103	3	]	]	PUNCT
easat-9618	103	4	a	a	DET
easat-9618	103	5	mediation	mediation	NOUN
easat-9618	103	6	proportion	proportion	NOUN
easat-9618	103	7	above	above	ADP
easat-9618	103	8	0.80	0.80	NUM
easat-9618	103	9	indicates	indicate	VERB
easat-9618	103	10	dominant	dominant	ADJ
easat-9618	103	11	mediation	mediation	NOUN
easat-9618	103	12	.	.	PUNCT
easat-9618	104	1	in	in	ADP
easat-9618	104	2	this	this	DET
easat-9618	104	3	study	study	NOUN
easat-9618	104	4	,	,	PUNCT
easat-9618	104	5	the	the	DET
easat-9618	104	6	proportion	proportion	NOUN
easat-9618	104	7	reached	reach	VERB
easat-9618	104	8	0.8157	0.8157	NUM
easat-9618	104	9	,	,	PUNCT
easat-9618	104	10	suggesting	suggest	VERB
easat-9618	104	11	that	that	SCONJ
easat-9618	104	12	most	most	ADJ
easat-9618	104	13	of	of	ADP
easat-9618	104	14	the	the	DET
easat-9618	104	15	effect	effect	NOUN
easat-9618	104	16	of	of	ADP
easat-9618	104	17	financial	financial	ADJ
easat-9618	104	18	literacy	literacy	NOUN
easat-9618	104	19	on	on	ADP
easat-9618	104	20	business	business	NOUN
easat-9618	104	21	performance	performance	NOUN
easat-9618	104	22	is	be	AUX
easat-9618	104	23	transmitted	transmit	VERB
easat-9618	104	24	through	through	ADP
easat-9618	104	25	financial	financial	ADJ
easat-9618	104	26	management	management	NOUN
easat-9618	104	27	behavior	behavior	NOUN
easat-9618	104	28	.	.	PUNCT
easat-9618	105	1	the	the	DET
easat-9618	105	2	classification	classification	NOUN
easat-9618	105	3	follows	follow	VERB
easat-9618	105	4	the	the	DET
easat-9618	105	5	framework	framework	NOUN
easat-9618	105	6	proposed	propose	VERB
easat-9618	105	7	by	by	ADP
easat-9618	105	8	zhao	zhao	PROPN
easat-9618	105	9	,	,	PUNCT
easat-9618	105	10	et	et	PROPN
easat-9618	105	11	al	al	PROPN
easat-9618	105	12	.	.	PUNCT
easat-9618	106	1	[	[	X
easat-9618	106	2	34	34	NUM
easat-9618	106	3	]	]	PUNCT
easat-9618	106	4	and	and	CCONJ
easat-9618	106	5	baron	baron	NOUN
easat-9618	106	6	and	and	CCONJ
easat-9618	106	7	kenny	kenny	PROPN
easat-9618	107	1	[	[	X
easat-9618	107	2	35	35	NUM
easat-9618	107	3	]	]	PUNCT
easat-9618	107	4	which	which	PRON
easat-9618	107	5	considers	consider	VERB
easat-9618	107	6	the	the	DET
easat-9618	107	7	significance	significance	NOUN
easat-9618	107	8	of	of	ADP
easat-9618	107	9	the	the	DET
easat-9618	107	10	indirect	indirect	ADJ
easat-9618	107	11	path	path	NOUN
easat-9618	107	12	,	,	PUNCT
easat-9618	107	13	the	the	DET
easat-9618	107	14	presence	presence	NOUN
easat-9618	107	15	of	of	ADP
easat-9618	107	16	direct	direct	ADJ
easat-9618	107	17	effect	effect	NOUN
easat-9618	107	18	,	,	PUNCT
easat-9618	107	19	and	and	CCONJ
easat-9618	107	20	the	the	DET
easat-9618	107	21	proportion	proportion	NOUN
easat-9618	107	22	of	of	ADP
easat-9618	107	23	the	the	DET
easat-9618	107	24	mediation	mediation	NOUN
easat-9618	107	25	to	to	ADP
easat-9618	107	26	the	the	DET
easat-9618	107	27	total	total	ADJ
easat-9618	107	28	effect	effect	NOUN
easat-9618	107	29	.	.	PUNCT
easat-9618	108	1	according	accord	VERB
easat-9618	108	2	to	to	ADP
easat-9618	108	3	zhao	zhao	PROPN
easat-9618	108	4	,	,	PUNCT
easat-9618	108	5	et	et	PROPN
easat-9618	108	6	al	al	PROPN
easat-9618	108	7	.	.	PUNCT
easat-9618	109	1	[	[	X
easat-9618	109	2	34	34	NUM
easat-9618	109	3	]	]	PUNCT
easat-9618	109	4	this	this	DET
easat-9618	109	5	pattern	pattern	NOUN
easat-9618	109	6	is	be	AUX
easat-9618	109	7	classified	classify	VERB
easat-9618	109	8	as	as	ADP
easat-9618	109	9	“	"	PUNCT
easat-9618	109	10	complementary	complementary	ADJ
easat-9618	109	11	mediation	mediation	NOUN
easat-9618	109	12	,	,	PUNCT
easat-9618	109	13	”	"	PUNCT
easat-9618	109	14	where	where	SCONJ
easat-9618	109	15	both	both	CCONJ
easat-9618	109	16	direct	direct	ADJ
easat-9618	109	17	and	and	CCONJ
easat-9618	109	18	indirect	indirect	ADJ
easat-9618	109	19	paths	path	NOUN
easat-9618	109	20	are	be	AUX
easat-9618	109	21	significant	significant	ADJ
easat-9618	109	22	and	and	CCONJ
easat-9618	109	23	point	point	VERB
easat-9618	109	24	in	in	ADP
easat-9618	109	25	the	the	DET
easat-9618	109	26	same	same	ADJ
easat-9618	109	27	direction	direction	NOUN
easat-9618	109	28	,	,	PUNCT
easat-9618	109	29	reinforcing	reinforce	VERB
easat-9618	109	30	the	the	DET
easat-9618	109	31	total	total	ADJ
easat-9618	109	32	effect	effect	NOUN
easat-9618	109	33	.	.	PUNCT
easat-9618	110	1	these	these	DET
easat-9618	110	2	findings	finding	NOUN
easat-9618	110	3	align	align	VERB
easat-9618	110	4	with	with	ADP
easat-9618	110	5	financial	financial	ADJ
easat-9618	110	6	behavior	behavior	NOUN
easat-9618	110	7	theory	theory	NOUN
easat-9618	110	8	,	,	PUNCT
easat-9618	110	9	which	which	PRON
easat-9618	110	10	asserts	assert	VERB
easat-9618	110	11	that	that	SCONJ
easat-9618	110	12	financial	financial	ADJ
easat-9618	110	13	knowledge	knowledge	NOUN
easat-9618	110	14	translates	translate	VERB
easat-9618	110	15	into	into	ADP
easat-9618	110	16	improved	improved	ADJ
easat-9618	110	17	business	business	NOUN
easat-9618	110	18	outcomes	outcome	NOUN
easat-9618	110	19	only	only	ADV
easat-9618	110	20	when	when	SCONJ
easat-9618	110	21	manifested	manifest	VERB
easat-9618	110	22	through	through	ADP
easat-9618	110	23	disciplined	discipline	VERB
easat-9618	110	24	financial	financial	ADJ
easat-9618	110	25	practices	practice	NOUN
easat-9618	110	26	[	[	X
easat-9618	110	27	36	36	NUM
easat-9618	110	28	,	,	PUNCT
easat-9618	110	29	37	37	NUM
easat-9618	110	30	]	]	PUNCT
easat-9618	110	31	.	.	PUNCT
easat-9618	111	1	5	5	X
easat-9618	111	2	.	.	X
easat-9618	111	3	discussion	discussion	NOUN
easat-9618	111	4	the	the	DET
easat-9618	111	5	study	study	NOUN
easat-9618	111	6	underscores	underscore	VERB
easat-9618	111	7	the	the	DET
easat-9618	111	8	critical	critical	ADJ
easat-9618	111	9	mediating	mediate	VERB
easat-9618	111	10	role	role	NOUN
easat-9618	111	11	of	of	ADP
easat-9618	111	12	financial	financial	ADJ
easat-9618	111	13	management	management	NOUN
easat-9618	111	14	behavior	behavior	NOUN
easat-9618	111	15	in	in	ADP
easat-9618	111	16	enhancing	enhance	VERB
easat-9618	111	17	msme	msme	NOUN
easat-9618	111	18	business	business	NOUN
easat-9618	111	19	performance	performance	NOUN
easat-9618	111	20	through	through	ADP
easat-9618	111	21	financial	financial	ADJ
easat-9618	111	22	literacy	literacy	NOUN
easat-9618	111	23	.	.	PUNCT
easat-9618	112	1	these	these	DET
easat-9618	112	2	findings	finding	NOUN
easat-9618	112	3	are	be	AUX
easat-9618	112	4	consistent	consistent	ADJ
easat-9618	112	5	with	with	ADP
easat-9618	112	6	the	the	DET
easat-9618	112	7	core	core	NOUN
easat-9618	112	8	premise	premise	NOUN
easat-9618	112	9	of	of	ADP
easat-9618	112	10	behavioral	behavioral	ADJ
easat-9618	112	11	finance	finance	NOUN
easat-9618	112	12	theory	theory	NOUN
easat-9618	112	13	,	,	PUNCT
easat-9618	112	14	which	which	PRON
easat-9618	112	15	emphasizes	emphasize	VERB
easat-9618	112	16	that	that	SCONJ
easat-9618	112	17	financial	financial	ADJ
easat-9618	112	18	knowledge	knowledge	NOUN
easat-9618	112	19	yields	yield	VERB
easat-9618	112	20	optimal	optimal	ADJ
easat-9618	112	21	outcomes	outcome	NOUN
easat-9618	112	22	only	only	ADV
easat-9618	112	23	when	when	SCONJ
easat-9618	112	24	it	it	PRON
easat-9618	112	25	is	be	AUX
easat-9618	112	26	translated	translate	VERB
easat-9618	112	27	into	into	ADP
easat-9618	112	28	sound	sound	ADJ
easat-9618	112	29	financial	financial	ADJ
easat-9618	112	30	management	management	NOUN
easat-9618	112	31	practices	practice	NOUN
easat-9618	112	32	[	[	X
easat-9618	112	33	36	36	NUM
easat-9618	112	34	,	,	PUNCT
easat-9618	112	35	37	37	NUM
easat-9618	112	36	]	]	PUNCT
easat-9618	112	37	.	.	PUNCT
easat-9618	113	1	without	without	ADP
easat-9618	113	2	concrete	concrete	ADJ
easat-9618	113	3	behavioral	behavioral	ADJ
easat-9618	113	4	implementation	implementation	NOUN
easat-9618	113	5	,	,	PUNCT
easat-9618	113	6	financial	financial	ADJ
easat-9618	113	7	literacy	literacy	NOUN
easat-9618	113	8	remains	remain	VERB
easat-9618	113	9	passive	passive	ADJ
easat-9618	113	10	information	information	NOUN
easat-9618	113	11	that	that	PRON
easat-9618	113	12	does	do	AUX
easat-9618	113	13	not	not	PART
easat-9618	113	14	lead	lead	VERB
easat-9618	113	15	to	to	ADP
easat-9618	113	16	meaningful	meaningful	ADJ
easat-9618	113	17	business	business	NOUN
easat-9618	113	18	impact	impact	NOUN
easat-9618	113	19	.	.	PUNCT
easat-9618	114	1	in	in	ADP
easat-9618	114	2	the	the	DET
easat-9618	114	3	context	context	NOUN
easat-9618	114	4	of	of	ADP
easat-9618	114	5	msmes	msme	NOUN
easat-9618	114	6	,	,	PUNCT
easat-9618	114	7	this	this	DET
easat-9618	114	8	study	study	NOUN
easat-9618	114	9	reinforces	reinforce	VERB
easat-9618	114	10	the	the	DET
easat-9618	114	11	idea	idea	NOUN
easat-9618	114	12	that	that	SCONJ
easat-9618	114	13	financial	financial	ADJ
easat-9618	114	14	literacy	literacy	NOUN
easat-9618	114	15	alone	alone	ADV
easat-9618	114	16	is	be	AUX
easat-9618	114	17	insufficient	insufficient	ADJ
easat-9618	114	18	to	to	PART
easat-9618	114	19	drive	drive	VERB
easat-9618	114	20	business	business	NOUN
easat-9618	114	21	performance	performance	NOUN
easat-9618	114	22	unless	unless	SCONJ
easat-9618	114	23	accompanied	accompany	VERB
easat-9618	114	24	by	by	ADP
easat-9618	114	25	habitual	habitual	ADJ
easat-9618	114	26	managerial	managerial	ADJ
easat-9618	114	27	behavior	behavior	NOUN
easat-9618	114	28	.	.	PUNCT
easat-9618	115	1	for	for	ADP
easat-9618	115	2	instance	instance	NOUN
easat-9618	115	3	,	,	PUNCT
easat-9618	115	4	entrepreneurs	entrepreneur	NOUN
easat-9618	115	5	who	who	PRON
easat-9618	115	6	understand	understand	VERB
easat-9618	115	7	the	the	DET
easat-9618	115	8	importance	importance	NOUN
easat-9618	115	9	of	of	ADP
easat-9618	115	10	financial	financial	ADJ
easat-9618	115	11	recordkeeping	recordkeeping	NOUN
easat-9618	115	12	but	but	CCONJ
easat-9618	115	13	fail	fail	VERB
easat-9618	115	14	to	to	PART
easat-9618	115	15	apply	apply	VERB
easat-9618	115	16	it	it	PRON
easat-9618	115	17	consistently	consistently	ADV
easat-9618	115	18	may	may	AUX
easat-9618	115	19	miss	miss	VERB
easat-9618	115	20	opportunities	opportunity	NOUN
easat-9618	115	21	to	to	PART
easat-9618	115	22	assess	assess	VERB
easat-9618	115	23	profit	profit	NOUN
easat-9618	115	24	margins	margin	NOUN
easat-9618	115	25	,	,	PUNCT
easat-9618	115	26	operational	operational	ADJ
easat-9618	115	27	efficiency	efficiency	NOUN
easat-9618	115	28	,	,	PUNCT
easat-9618	115	29	or	or	CCONJ
easat-9618	115	30	potential	potential	ADJ
easat-9618	115	31	financial	financial	ADJ
easat-9618	115	32	losses	loss	NOUN
easat-9618	115	33	.	.	PUNCT
easat-9618	116	1	conversely	conversely	ADV
easat-9618	116	2	,	,	PUNCT
easat-9618	116	3	those	those	PRON
easat-9618	116	4	who	who	PRON
easat-9618	116	5	regularly	regularly	ADV
easat-9618	116	6	apply	apply	VERB
easat-9618	116	7	financial	financial	ADJ
easat-9618	116	8	principles	principle	NOUN
easat-9618	116	9	in	in	ADP
easat-9618	116	10	daily	daily	ADJ
easat-9618	116	11	operations	operation	NOUN
easat-9618	116	12	tend	tend	VERB
easat-9618	116	13	to	to	PART
easat-9618	116	14	be	be	AUX
easat-9618	116	15	more	more	ADV
easat-9618	116	16	prepared	prepared	ADJ
easat-9618	116	17	to	to	PART
easat-9618	116	18	make	make	VERB
easat-9618	116	19	informed	informed	ADJ
easat-9618	116	20	decisions	decision	NOUN
easat-9618	116	21	and	and	CCONJ
easat-9618	116	22	adapt	adapt	VERB
easat-9618	116	23	to	to	ADP
easat-9618	116	24	business	business	NOUN
easat-9618	116	25	fluctuations	fluctuation	NOUN
easat-9618	116	26	.	.	PUNCT
easat-9618	117	1	deakins	deakin	NOUN
easat-9618	117	2	,	,	PUNCT
easat-9618	117	3	et	et	PROPN
easat-9618	117	4	al	al	PROPN
easat-9618	117	5	.	.	PUNCT
easat-9618	118	1	[	[	X
easat-9618	118	2	38	38	NUM
easat-9618	118	3	]	]	PUNCT
easat-9618	118	4	found	find	VERB
easat-9618	118	5	that	that	SCONJ
easat-9618	118	6	owner	owner	NOUN
easat-9618	118	7	-	-	PUNCT
easat-9618	118	8	managers	manager	NOUN
easat-9618	118	9	often	often	ADV
easat-9618	118	10	adopt	adopt	VERB
easat-9618	118	11	varying	vary	VERB
easat-9618	118	12	approaches	approach	NOUN
easat-9618	118	13	to	to	ADP
easat-9618	118	14	business	business	NOUN
easat-9618	118	15	planning	planning	NOUN
easat-9618	118	16	.	.	PUNCT
easat-9618	119	1	their	their	PRON
easat-9618	119	2	findings	finding	NOUN
easat-9618	119	3	suggest	suggest	VERB
easat-9618	119	4	that	that	SCONJ
easat-9618	119	5	planning	planning	NOUN
easat-9618	119	6	is	be	AUX
easat-9618	119	7	crucial	crucial	ADJ
easat-9618	119	8	,	,	PUNCT
easat-9618	119	9	especially	especially	ADV
easat-9618	119	10	for	for	ADP
easat-9618	119	11	enterprises	enterprise	NOUN
easat-9618	119	12	undergoing	undergo	VERB
easat-9618	119	13	growth	growth	NOUN
easat-9618	119	14	or	or	CCONJ
easat-9618	119	15	facing	face	VERB
easat-9618	119	16	rapid	rapid	ADJ
easat-9618	119	17	environmental	environmental	ADJ
easat-9618	119	18	changes	change	NOUN
easat-9618	119	19	.	.	PUNCT
easat-9618	120	1	accordingly	accordingly	ADV
easat-9618	120	2	,	,	PUNCT
easat-9618	120	3	sound	sound	ADJ
easat-9618	120	4	financial	financial	ADJ
easat-9618	120	5	planning	planning	NOUN
easat-9618	120	6	represents	represent	VERB
easat-9618	120	7	an	an	DET
easat-9618	120	8	adaptive	adaptive	ADJ
easat-9618	120	9	response	response	NOUN
easat-9618	120	10	to	to	ADP
easat-9618	120	11	the	the	DET
easat-9618	120	12	demands	demand	NOUN
easat-9618	120	13	of	of	ADP
easat-9618	120	14	a	a	DET
easat-9618	120	15	competitive	competitive	ADJ
easat-9618	120	16	and	and	CCONJ
easat-9618	120	17	dynamic	dynamic	ADJ
easat-9618	120	18	business	business	NOUN
easat-9618	120	19	environment	environment	NOUN
easat-9618	120	20	.	.	PUNCT
easat-9618	121	1	furthermore	furthermore	ADV
easat-9618	121	2	,	,	PUNCT
easat-9618	121	3	lusardi	lusardi	NOUN
easat-9618	121	4	and	and	CCONJ
easat-9618	121	5	tufano	tufano	ADJ
easat-9618	122	1	[	[	X
easat-9618	122	2	39	39	NUM
easat-9618	122	3	]	]	PUNCT
easat-9618	122	4	and	and	CCONJ
easat-9618	122	5	mandell	mandell	PROPN
easat-9618	122	6	[	[	X
easat-9618	122	7	40	40	NUM
easat-9618	122	8	]	]	PUNCT
easat-9618	122	9	argue	argue	VERB
easat-9618	122	10	that	that	SCONJ
easat-9618	122	11	the	the	DET
easat-9618	122	12	essence	essence	NOUN
easat-9618	122	13	of	of	ADP
easat-9618	122	14	financial	financial	ADJ
easat-9618	122	15	literacy	literacy	NOUN
easat-9618	122	16	lies	lie	VERB
easat-9618	122	17	in	in	ADP
easat-9618	122	18	the	the	DET
easat-9618	122	19	ability	ability	NOUN
easat-9618	122	20	to	to	PART
easat-9618	122	21	make	make	VERB
easat-9618	122	22	informed	informed	ADJ
easat-9618	122	23	and	and	CCONJ
easat-9618	122	24	prudent	prudent	ADJ
easat-9618	122	25	financial	financial	ADJ
easat-9618	122	26	decisions	decision	NOUN
easat-9618	122	27	.	.	PUNCT
easat-9618	123	1	echoing	echo	VERB
easat-9618	123	2	this	this	DET
easat-9618	123	3	view	view	NOUN
easat-9618	123	4	,	,	PUNCT
easat-9618	123	5	berman	berman	NOUN
easat-9618	123	6	and	and	CCONJ
easat-9618	123	7	knight	knight	NOUN
easat-9618	123	8	[	[	X
easat-9618	123	9	41	41	NUM
easat-9618	123	10	]	]	PUNCT
easat-9618	123	11	highlight	highlight	VERB
easat-9618	123	12	the	the	DET
easat-9618	123	13	importance	importance	NOUN
easat-9618	123	14	of	of	ADP
easat-9618	123	15	embedding	embed	VERB
easat-9618	123	16	financial	financial	ADJ
easat-9618	123	17	literacy	literacy	NOUN
easat-9618	123	18	as	as	ADP
easat-9618	123	19	an	an	DET
easat-9618	123	20	integral	integral	ADJ
easat-9618	123	21	part	part	NOUN
easat-9618	123	22	of	of	ADP
easat-9618	123	23	business	business	NOUN
easat-9618	123	24	organizational	organizational	ADJ
easat-9618	123	25	culture	culture	NOUN
easat-9618	123	26	.	.	PUNCT
easat-9618	124	1	this	this	PRON
easat-9618	124	2	implies	imply	VERB
easat-9618	124	3	that	that	SCONJ
easat-9618	124	4	efforts	effort	NOUN
easat-9618	124	5	to	to	PART
easat-9618	124	6	strengthen	strengthen	VERB
easat-9618	124	7	financial	financial	ADJ
easat-9618	124	8	literacy	literacy	NOUN
easat-9618	124	9	must	must	AUX
easat-9618	124	10	be	be	AUX
easat-9618	124	11	institutionalized	institutionalize	VERB
easat-9618	124	12	within	within	ADP
easat-9618	124	13	managerial	managerial	ADJ
easat-9618	124	14	practices	practice	NOUN
easat-9618	124	15	to	to	PART
easat-9618	124	16	enhance	enhance	VERB
easat-9618	124	17	business	business	NOUN
easat-9618	124	18	competitiveness	competitiveness	NOUN
easat-9618	124	19	and	and	CCONJ
easat-9618	124	20	resilience	resilience	NOUN
easat-9618	124	21	,	,	PUNCT
easat-9618	124	22	particularly	particularly	ADV
easat-9618	124	23	under	under	ADP
easat-9618	124	24	conditions	condition	NOUN
easat-9618	124	25	of	of	ADP
easat-9618	124	26	economic	economic	ADJ
easat-9618	124	27	uncertainty	uncertainty	NOUN
easat-9618	124	28	.	.	PUNCT
easat-9618	125	1	1410	1410	NUM
easat-9618	125	2	edelweiss	edelweiss	PROPN
easat-9618	125	3	applied	apply	VERB
easat-9618	125	4	science	science	NOUN
easat-9618	125	5	and	and	CCONJ
easat-9618	125	6	technology	technology	NOUN
easat-9618	125	7	issn	issn	PROPN
easat-9618	125	8	:	:	PUNCT
easat-9618	125	9	2576	2576	NUM
easat-9618	125	10	-	-	SYM
easat-9618	125	11	8484	8484	NUM
easat-9618	125	12	vol	vol	NOUN
easat-9618	125	13	.	.	PROPN
easat-9618	126	1	9	9	NUM
easat-9618	126	2	,	,	PUNCT
easat-9618	126	3	no	no	INTJ
easat-9618	126	4	.	.	NOUN
easat-9618	126	5	8	8	NUM
easat-9618	126	6	:	:	PUNCT
easat-9618	126	7	1406	1406	NUM
easat-9618	126	8	-	-	SYM
easat-9618	126	9	1412	1412	NUM
easat-9618	126	10	,	,	PUNCT
easat-9618	126	11	2025	2025	NUM
easat-9618	126	12	doi	doi	NOUN
easat-9618	126	13	:	:	PUNCT
easat-9618	126	14	10.55214/2576	10.55214/2576	NUM
easat-9618	126	15	-	-	NOUN
easat-9618	126	16	8484.v9i8.9618	8484.v9i8.9618	NOUN
easat-9618	126	17	©	©	PROPN
easat-9618	126	18	2025	2025	NUM
easat-9618	126	19	by	by	ADP
easat-9618	126	20	the	the	DET
easat-9618	126	21	authors	author	NOUN
easat-9618	126	22	;	;	PUNCT
easat-9618	126	23	licensee	licensee	PROPN
easat-9618	126	24	learning	learn	VERB
easat-9618	126	25	gate	gate	VERB
easat-9618	126	26	empirical	empirical	ADJ
easat-9618	126	27	support	support	NOUN
easat-9618	126	28	from	from	ADP
easat-9618	126	29	the	the	DET
easat-9618	126	30	indonesian	indonesian	ADJ
easat-9618	126	31	msme	msme	PROPN
easat-9618	126	32	context	context	PROPN
easat-9618	126	33	further	far	ADV
easat-9618	126	34	validates	validate	VERB
easat-9618	126	35	these	these	DET
easat-9618	126	36	findings	finding	NOUN
easat-9618	126	37	.	.	PUNCT
easat-9618	127	1	putri	putri	ADJ
easat-9618	127	2	,	,	PUNCT
easat-9618	127	3	et	et	PROPN
easat-9618	127	4	al	al	PROPN
easat-9618	127	5	.	.	PUNCT
easat-9618	128	1	[	[	X
easat-9618	128	2	42	42	NUM
easat-9618	128	3	]	]	PUNCT
easat-9618	128	4	demonstrated	demonstrate	VERB
easat-9618	128	5	that	that	SCONJ
easat-9618	128	6	improved	improve	VERB
easat-9618	128	7	financial	financial	ADJ
easat-9618	128	8	understanding	understanding	NOUN
easat-9618	128	9	significantly	significantly	ADV
easat-9618	128	10	encourages	encourage	VERB
easat-9618	128	11	msmes	msme	NOUN
easat-9618	128	12	to	to	PART
easat-9618	128	13	engage	engage	VERB
easat-9618	128	14	in	in	ADP
easat-9618	128	15	consistent	consistent	ADJ
easat-9618	128	16	financial	financial	ADJ
easat-9618	128	17	documentation	documentation	NOUN
easat-9618	128	18	and	and	CCONJ
easat-9618	128	19	evaluation	evaluation	NOUN
easat-9618	128	20	.	.	PUNCT
easat-9618	129	1	similarly	similarly	ADV
easat-9618	129	2	,	,	PUNCT
easat-9618	129	3	saskia	saskia	PROPN
easat-9618	129	4	,	,	PUNCT
easat-9618	129	5	et	et	PROPN
easat-9618	129	6	al	al	PROPN
easat-9618	129	7	.	.	PUNCT
easat-9618	130	1	[	[	X
easat-9618	130	2	43	43	NUM
easat-9618	130	3	]	]	PUNCT
easat-9618	130	4	concluded	conclude	VERB
easat-9618	130	5	that	that	SCONJ
easat-9618	130	6	financial	financial	ADJ
easat-9618	130	7	behavior	behavior	NOUN
easat-9618	130	8	mediates	mediate	VERB
easat-9618	130	9	the	the	DET
easat-9618	130	10	effect	effect	NOUN
easat-9618	130	11	of	of	ADP
easat-9618	130	12	financial	financial	ADJ
easat-9618	130	13	literacy	literacy	NOUN
easat-9618	130	14	on	on	ADP
easat-9618	130	15	business	business	NOUN
easat-9618	130	16	performance	performance	NOUN
easat-9618	130	17	,	,	PUNCT
easat-9618	130	18	underscoring	underscore	VERB
easat-9618	130	19	the	the	DET
easat-9618	130	20	behavioral	behavioral	ADJ
easat-9618	130	21	pathway	pathway	NOUN
easat-9618	130	22	as	as	ADP
easat-9618	130	23	a	a	DET
easat-9618	130	24	critical	critical	ADJ
easat-9618	130	25	mechanism	mechanism	NOUN
easat-9618	130	26	of	of	ADP
easat-9618	130	27	influence	influence	NOUN
easat-9618	130	28	.	.	PUNCT
easat-9618	131	1	6	6	X
easat-9618	131	2	.	.	X
easat-9618	131	3	conclusion	conclusion	NOUN
easat-9618	131	4	this	this	DET
easat-9618	131	5	study	study	NOUN
easat-9618	131	6	concludes	conclude	VERB
easat-9618	131	7	that	that	SCONJ
easat-9618	131	8	financial	financial	ADJ
easat-9618	131	9	management	management	NOUN
easat-9618	131	10	behavior	behavior	NOUN
easat-9618	131	11	plays	play	VERB
easat-9618	131	12	a	a	DET
easat-9618	131	13	significant	significant	ADJ
easat-9618	131	14	mediating	mediate	VERB
easat-9618	131	15	role	role	NOUN
easat-9618	131	16	in	in	ADP
easat-9618	131	17	the	the	DET
easat-9618	131	18	relationship	relationship	NOUN
easat-9618	131	19	between	between	ADP
easat-9618	131	20	financial	financial	ADJ
easat-9618	131	21	literacy	literacy	NOUN
easat-9618	131	22	and	and	CCONJ
easat-9618	131	23	business	business	NOUN
easat-9618	131	24	performance	performance	NOUN
easat-9618	131	25	.	.	PUNCT
easat-9618	132	1	high	high	ADJ
easat-9618	132	2	levels	level	NOUN
easat-9618	132	3	of	of	ADP
easat-9618	132	4	financial	financial	ADJ
easat-9618	132	5	literacy	literacy	NOUN
easat-9618	132	6	alone	alone	ADV
easat-9618	132	7	do	do	AUX
easat-9618	132	8	not	not	PART
easat-9618	132	9	guarantee	guarantee	VERB
easat-9618	132	10	improved	improved	ADJ
easat-9618	132	11	business	business	NOUN
easat-9618	132	12	outcomes	outcome	NOUN
easat-9618	132	13	unless	unless	SCONJ
easat-9618	132	14	such	such	ADJ
easat-9618	132	15	knowledge	knowledge	NOUN
easat-9618	132	16	is	be	AUX
easat-9618	132	17	actively	actively	ADV
easat-9618	132	18	translated	translate	VERB
easat-9618	132	19	into	into	ADP
easat-9618	132	20	structured	structured	ADJ
easat-9618	132	21	,	,	PUNCT
easat-9618	132	22	consistent	consistent	ADJ
easat-9618	132	23	,	,	PUNCT
easat-9618	132	24	and	and	CCONJ
easat-9618	132	25	responsible	responsible	ADJ
easat-9618	132	26	financial	financial	ADJ
easat-9618	132	27	behavior	behavior	NOUN
easat-9618	132	28	.	.	PUNCT
easat-9618	133	1	it	it	PRON
easat-9618	133	2	is	be	AUX
easat-9618	133	3	through	through	ADP
easat-9618	133	4	this	this	DET
easat-9618	133	5	behavioral	behavioral	ADJ
easat-9618	133	6	channel	channel	NOUN
easat-9618	133	7	that	that	SCONJ
easat-9618	133	8	the	the	DET
easat-9618	133	9	benefits	benefit	NOUN
easat-9618	133	10	of	of	ADP
easat-9618	133	11	financial	financial	ADJ
easat-9618	133	12	literacy	literacy	NOUN
easat-9618	133	13	are	be	AUX
easat-9618	133	14	effectively	effectively	ADV
easat-9618	133	15	transferred	transfer	VERB
easat-9618	133	16	to	to	PART
easat-9618	133	17	support	support	VERB
easat-9618	133	18	optimal	optimal	ADJ
easat-9618	133	19	business	business	NOUN
easat-9618	133	20	performance	performance	NOUN
easat-9618	133	21	.	.	PUNCT
easat-9618	134	1	the	the	DET
easat-9618	134	2	findings	finding	NOUN
easat-9618	134	3	provide	provide	VERB
easat-9618	134	4	strong	strong	ADJ
easat-9618	134	5	theoretical	theoretical	ADJ
easat-9618	134	6	support	support	NOUN
easat-9618	134	7	for	for	ADP
easat-9618	134	8	financial	financial	ADJ
easat-9618	134	9	behavior	behavior	NOUN
easat-9618	134	10	theory	theory	NOUN
easat-9618	134	11	[	[	X
easat-9618	134	12	36	36	NUM
easat-9618	134	13	]	]	PUNCT
easat-9618	134	14	which	which	PRON
easat-9618	134	15	posits	posit	VERB
easat-9618	134	16	that	that	SCONJ
easat-9618	134	17	financial	financial	ADJ
easat-9618	134	18	literacy	literacy	NOUN
easat-9618	134	19	serves	serve	VERB
easat-9618	134	20	as	as	ADP
easat-9618	134	21	the	the	DET
easat-9618	134	22	cognitive	cognitive	ADJ
easat-9618	134	23	foundation	foundation	NOUN
easat-9618	134	24	for	for	ADP
easat-9618	134	25	rational	rational	ADJ
easat-9618	134	26	financial	financial	ADJ
easat-9618	134	27	behavior	behavior	NOUN
easat-9618	134	28	,	,	PUNCT
easat-9618	134	29	ultimately	ultimately	ADV
easat-9618	134	30	influencing	influence	VERB
easat-9618	134	31	business	business	NOUN
easat-9618	134	32	success	success	NOUN
easat-9618	134	33	.	.	PUNCT
easat-9618	135	1	in	in	ADP
easat-9618	135	2	essence	essence	NOUN
easat-9618	135	3	,	,	PUNCT
easat-9618	135	4	it	it	PRON
easat-9618	135	5	is	be	AUX
easat-9618	135	6	not	not	PART
easat-9618	135	7	merely	merely	ADV
easat-9618	135	8	what	what	PRON
easat-9618	135	9	msme	msme	NOUN
easat-9618	135	10	owners	owner	NOUN
easat-9618	135	11	know	know	VERB
easat-9618	135	12	,	,	PUNCT
easat-9618	135	13	but	but	CCONJ
easat-9618	135	14	what	what	PRON
easat-9618	135	15	they	they	PRON
easat-9618	135	16	consistently	consistently	ADV
easat-9618	135	17	do	do	VERB
easat-9618	135	18	with	with	ADP
easat-9618	135	19	that	that	DET
easat-9618	135	20	knowledge	knowledge	NOUN
easat-9618	135	21	that	that	PRON
easat-9618	135	22	determines	determine	VERB
easat-9618	135	23	business	business	NOUN
easat-9618	135	24	results	result	NOUN
easat-9618	135	25	.	.	PUNCT
easat-9618	136	1	practically	practically	ADV
easat-9618	136	2	,	,	PUNCT
easat-9618	136	3	this	this	PRON
easat-9618	136	4	underscores	underscore	VERB
easat-9618	136	5	the	the	DET
easat-9618	136	6	importance	importance	NOUN
easat-9618	136	7	of	of	ADP
easat-9618	136	8	equipping	equip	VERB
easat-9618	136	9	msmes	msme	NOUN
easat-9618	136	10	not	not	PART
easat-9618	136	11	only	only	ADV
easat-9618	136	12	with	with	ADP
easat-9618	136	13	financial	financial	ADJ
easat-9618	136	14	knowledge	knowledge	NOUN
easat-9618	136	15	,	,	PUNCT
easat-9618	136	16	but	but	CCONJ
easat-9618	136	17	also	also	ADV
easat-9618	136	18	with	with	ADP
easat-9618	136	19	tools	tool	NOUN
easat-9618	136	20	and	and	CCONJ
easat-9618	136	21	training	training	NOUN
easat-9618	136	22	that	that	PRON
easat-9618	136	23	foster	foster	ADJ
easat-9618	136	24	behavioral	behavioral	ADJ
easat-9618	136	25	implementation	implementation	NOUN
easat-9618	136	26	,	,	PUNCT
easat-9618	136	27	such	such	ADJ
easat-9618	136	28	as	as	ADP
easat-9618	136	29	financial	financial	ADJ
easat-9618	136	30	planning	planning	NOUN
easat-9618	136	31	,	,	PUNCT
easat-9618	136	32	cash	cash	NOUN
easat-9618	136	33	flow	flow	NOUN
easat-9618	136	34	monitoring	monitoring	NOUN
easat-9618	136	35	,	,	PUNCT
easat-9618	136	36	and	and	CCONJ
easat-9618	136	37	budgeting	budgeting	NOUN
easat-9618	136	38	discipline	discipline	NOUN
easat-9618	136	39	.	.	PUNCT
easat-9618	137	1	embedding	embed	VERB
easat-9618	137	2	these	these	DET
easat-9618	137	3	practices	practice	NOUN
easat-9618	137	4	into	into	ADP
easat-9618	137	5	daily	daily	ADJ
easat-9618	137	6	operations	operation	NOUN
easat-9618	137	7	may	may	AUX
easat-9618	137	8	serve	serve	VERB
easat-9618	137	9	as	as	ADP
easat-9618	137	10	a	a	DET
easat-9618	137	11	critical	critical	ADJ
easat-9618	137	12	strategy	strategy	NOUN
easat-9618	137	13	to	to	PART
easat-9618	137	14	enhance	enhance	VERB
easat-9618	137	15	msme	msme	NOUN
easat-9618	137	16	competitiveness	competitiveness	NOUN
easat-9618	137	17	and	and	CCONJ
easat-9618	137	18	sustainability	sustainability	NOUN
easat-9618	137	19	,	,	PUNCT
easat-9618	137	20	particularly	particularly	ADV
easat-9618	137	21	in	in	ADP
easat-9618	137	22	the	the	DET
easat-9618	137	23	evolving	evolve	VERB
easat-9618	137	24	digital	digital	ADJ
easat-9618	137	25	economy	economy	NOUN
easat-9618	137	26	.	.	PUNCT
easat-9618	138	1	7	7	X
easat-9618	138	2	.	.	X
easat-9618	138	3	policy	policy	NOUN
easat-9618	138	4	implications	implication	NOUN
easat-9618	138	5	and	and	CCONJ
easat-9618	138	6	practical	practical	ADJ
easat-9618	138	7	recommendations	recommendation	NOUN
easat-9618	138	8	the	the	DET
easat-9618	138	9	findings	finding	NOUN
easat-9618	138	10	of	of	ADP
easat-9618	138	11	this	this	DET
easat-9618	138	12	study	study	NOUN
easat-9618	138	13	present	present	VERB
easat-9618	138	14	several	several	ADJ
easat-9618	138	15	practical	practical	ADJ
easat-9618	138	16	and	and	CCONJ
easat-9618	138	17	policy	policy	NOUN
easat-9618	138	18	-	-	PUNCT
easat-9618	138	19	relevant	relevant	ADJ
easat-9618	138	20	implications	implication	NOUN
easat-9618	138	21	for	for	ADP
easat-9618	138	22	strengthening	strengthen	VERB
easat-9618	138	23	the	the	DET
easat-9618	138	24	financial	financial	ADJ
easat-9618	138	25	capabilities	capability	NOUN
easat-9618	138	26	and	and	CCONJ
easat-9618	138	27	business	business	NOUN
easat-9618	138	28	performance	performance	NOUN
easat-9618	138	29	of	of	ADP
easat-9618	138	30	msmes	msme	NOUN
easat-9618	138	31	in	in	ADP
easat-9618	138	32	indonesia	indonesia	PROPN
easat-9618	138	33	,	,	PUNCT
easat-9618	138	34	particularly	particularly	ADV
easat-9618	138	35	those	those	PRON
easat-9618	138	36	undergoing	undergo	VERB
easat-9618	138	37	digital	digital	ADJ
easat-9618	138	38	transformation	transformation	NOUN
easat-9618	138	39	.	.	PUNCT
easat-9618	139	1	7.1	7.1	NUM
easat-9618	139	2	.	.	PUNCT
easat-9618	140	1	financial	financial	ADJ
easat-9618	140	2	literacy	literacy	NOUN
easat-9618	140	3	to	to	PART
easat-9618	140	4	ensure	ensure	VERB
easat-9618	140	5	that	that	SCONJ
easat-9618	140	6	financial	financial	ADJ
easat-9618	140	7	knowledge	knowledge	NOUN
easat-9618	140	8	is	be	AUX
easat-9618	140	9	translated	translate	VERB
easat-9618	140	10	into	into	ADP
easat-9618	140	11	actionable	actionable	ADJ
easat-9618	140	12	business	business	NOUN
easat-9618	140	13	practices	practice	NOUN
easat-9618	140	14	,	,	PUNCT
easat-9618	140	15	it	it	PRON
easat-9618	140	16	is	be	AUX
easat-9618	140	17	recommended	recommend	VERB
easat-9618	140	18	that	that	SCONJ
easat-9618	140	19	financial	financial	ADJ
easat-9618	140	20	literacy	literacy	NOUN
easat-9618	140	21	programs	program	NOUN
easat-9618	140	22	be	be	AUX
easat-9618	140	23	systematically	systematically	ADV
easat-9618	140	24	embedded	embed	VERB
easat-9618	140	25	within	within	ADP
easat-9618	140	26	msme	msme	NOUN
easat-9618	140	27	development	development	NOUN
easat-9618	140	28	initiatives	initiative	NOUN
easat-9618	140	29	.	.	PUNCT
easat-9618	141	1	the	the	DET
easat-9618	141	2	integration	integration	NOUN
easat-9618	141	3	of	of	ADP
easat-9618	141	4	structured	structured	ADJ
easat-9618	141	5	financial	financial	ADJ
easat-9618	141	6	education	education	NOUN
easat-9618	141	7	modules	module	NOUN
easat-9618	141	8	into	into	ADP
easat-9618	141	9	programs	program	NOUN
easat-9618	141	10	such	such	ADJ
easat-9618	141	11	as	as	ADP
easat-9618	141	12	"	"	PUNCT
easat-9618	141	13	umkm	umkm	ADJ
easat-9618	141	14	naik	naik	PROPN
easat-9618	141	15	kelas	kelas	PROPN
easat-9618	141	16	"	"	PUNCT
easat-9618	141	17	or	or	CCONJ
easat-9618	141	18	"	"	PUNCT
easat-9618	141	19	umkm	umkm	ADJ
easat-9618	141	20	go	go	VERB
easat-9618	141	21	digital	digital	NOUN
easat-9618	141	22	"	"	PUNCT
easat-9618	141	23	can	can	AUX
easat-9618	141	24	serve	serve	VERB
easat-9618	141	25	as	as	ADP
easat-9618	141	26	a	a	DET
easat-9618	141	27	foundation	foundation	NOUN
easat-9618	141	28	.	.	PUNCT
easat-9618	142	1	these	these	DET
easat-9618	142	2	modules	module	NOUN
easat-9618	142	3	should	should	AUX
easat-9618	142	4	cover	cover	VERB
easat-9618	142	5	essential	essential	ADJ
easat-9618	142	6	competencies	competency	NOUN
easat-9618	142	7	such	such	ADJ
easat-9618	142	8	as	as	ADP
easat-9618	142	9	understanding	understand	VERB
easat-9618	142	10	the	the	DET
easat-9618	142	11	time	time	NOUN
easat-9618	142	12	value	value	NOUN
easat-9618	142	13	of	of	ADP
easat-9618	142	14	money	money	NOUN
easat-9618	142	15	,	,	PUNCT
easat-9618	142	16	managing	managing	NOUN
easat-9618	142	17	receivables	receivables	NOUN
easat-9618	142	18	,	,	PUNCT
easat-9618	142	19	and	and	CCONJ
easat-9618	142	20	interpreting	interpret	VERB
easat-9618	142	21	cash	cash	NOUN
easat-9618	142	22	flows	flow	NOUN
easat-9618	142	23	,	,	PUNCT
easat-9618	142	24	supported	support	VERB
easat-9618	142	25	by	by	ADP
easat-9618	142	26	simple	simple	ADJ
easat-9618	142	27	,	,	PUNCT
easat-9618	142	28	digital	digital	NOUN
easat-9618	142	29	-	-	PUNCT
easat-9618	142	30	based	base	VERB
easat-9618	142	31	tools	tool	NOUN
easat-9618	142	32	.	.	PUNCT
easat-9618	143	1	furthermore	furthermore	ADV
easat-9618	143	2	,	,	PUNCT
easat-9618	143	3	msmes	msme	NOUN
easat-9618	143	4	should	should	AUX
easat-9618	143	5	be	be	AUX
easat-9618	143	6	encouraged	encourage	VERB
easat-9618	143	7	to	to	PART
easat-9618	143	8	adopt	adopt	VERB
easat-9618	143	9	good	good	ADJ
easat-9618	143	10	financial	financial	ADJ
easat-9618	143	11	habits	habit	NOUN
easat-9618	143	12	,	,	PUNCT
easat-9618	143	13	such	such	ADJ
easat-9618	143	14	as	as	ADP
easat-9618	143	15	opening	open	VERB
easat-9618	143	16	dedicated	dedicated	ADJ
easat-9618	143	17	business	business	NOUN
easat-9618	143	18	savings	saving	NOUN
easat-9618	143	19	accounts	account	NOUN
easat-9618	143	20	,	,	PUNCT
easat-9618	143	21	through	through	ADP
easat-9618	143	22	collaborations	collaboration	NOUN
easat-9618	143	23	between	between	ADP
easat-9618	143	24	the	the	DET
easat-9618	143	25	office	office	NOUN
easat-9618	143	26	of	of	ADP
easat-9618	143	27	cooperatives	cooperative	NOUN
easat-9618	143	28	and	and	CCONJ
easat-9618	143	29	msmes	msme	NOUN
easat-9618	143	30	,	,	PUNCT
easat-9618	143	31	banks	bank	NOUN
easat-9618	143	32	,	,	PUNCT
easat-9618	143	33	and	and	CCONJ
easat-9618	143	34	fintech	fintech	NOUN
easat-9618	143	35	institutions	institution	NOUN
easat-9618	143	36	.	.	PUNCT
easat-9618	144	1	literacy	literacy	NOUN
easat-9618	144	2	campaigns	campaign	NOUN
easat-9618	144	3	should	should	AUX
easat-9618	144	4	also	also	ADV
easat-9618	144	5	highlight	highlight	VERB
easat-9618	144	6	the	the	DET
easat-9618	144	7	role	role	NOUN
easat-9618	144	8	of	of	ADP
easat-9618	144	9	insurance	insurance	NOUN
easat-9618	144	10	in	in	ADP
easat-9618	144	11	mitigating	mitigate	VERB
easat-9618	144	12	financial	financial	ADJ
easat-9618	144	13	risks	risk	NOUN
easat-9618	144	14	,	,	PUNCT
easat-9618	144	15	as	as	ADV
easat-9618	144	16	well	well	ADV
easat-9618	144	17	as	as	ADP
easat-9618	144	18	provide	provide	VERB
easat-9618	144	19	accessible	accessible	ADJ
easat-9618	144	20	guidance	guidance	NOUN
easat-9618	144	21	on	on	ADP
easat-9618	144	22	investment	investment	NOUN
easat-9618	144	23	strategies	strategy	NOUN
easat-9618	144	24	and	and	CCONJ
easat-9618	144	25	riskreturn	riskreturn	VERB
easat-9618	144	26	tradeoffs	tradeoff	NOUN
easat-9618	144	27	using	use	VERB
easat-9618	144	28	basic	basic	ADJ
easat-9618	144	29	financial	financial	ADJ
easat-9618	144	30	instruments	instrument	NOUN
easat-9618	144	31	.	.	PUNCT
easat-9618	145	1	finally	finally	ADV
easat-9618	145	2	,	,	PUNCT
easat-9618	145	3	tax	tax	NOUN
easat-9618	145	4	education	education	NOUN
easat-9618	145	5	should	should	AUX
easat-9618	145	6	be	be	AUX
easat-9618	145	7	expanded	expand	VERB
easat-9618	145	8	to	to	PART
easat-9618	145	9	help	help	VERB
easat-9618	145	10	msmes	msme	NOUN
easat-9618	145	11	understand	understand	VERB
easat-9618	145	12	compliance	compliance	NOUN
easat-9618	145	13	,	,	PUNCT
easat-9618	145	14	budgeting	budget	VERB
easat-9618	145	15	for	for	ADP
easat-9618	145	16	tax	tax	NOUN
easat-9618	145	17	liabilities	liability	NOUN
easat-9618	145	18	,	,	PUNCT
easat-9618	145	19	and	and	CCONJ
easat-9618	145	20	utilization	utilization	NOUN
easat-9618	145	21	of	of	ADP
easat-9618	145	22	digital	digital	ADJ
easat-9618	145	23	platforms	platform	NOUN
easat-9618	145	24	(	(	PUNCT
easat-9618	145	25	e.g.	e.g.	ADV
easat-9618	145	26	,	,	PUNCT
easat-9618	145	27	efiling	efiling	NOUN
easat-9618	145	28	)	)	PUNCT
easat-9618	145	29	,	,	PUNCT
easat-9618	145	30	in	in	ADP
easat-9618	145	31	partnership	partnership	NOUN
easat-9618	145	32	with	with	ADP
easat-9618	145	33	local	local	ADJ
easat-9618	145	34	tax	tax	NOUN
easat-9618	145	35	authorities	authority	NOUN
easat-9618	145	36	.	.	PUNCT
easat-9618	146	1	7.2	7.2	NUM
easat-9618	146	2	.	.	PUNCT
easat-9618	146	3	financial	financial	ADJ
easat-9618	146	4	management	management	NOUN
easat-9618	146	5	behavior	behavior	NOUN
easat-9618	146	6	given	give	VERB
easat-9618	146	7	its	its	PRON
easat-9618	146	8	strong	strong	ADJ
easat-9618	146	9	mediating	mediate	VERB
easat-9618	146	10	role	role	NOUN
easat-9618	146	11	,	,	PUNCT
easat-9618	146	12	financial	financial	ADJ
easat-9618	146	13	management	management	NOUN
easat-9618	146	14	behavior	behavior	NOUN
easat-9618	146	15	must	must	AUX
easat-9618	146	16	be	be	AUX
easat-9618	146	17	cultivated	cultivate	VERB
easat-9618	146	18	through	through	ADP
easat-9618	146	19	handson	handson	NOUN
easat-9618	146	20	,	,	PUNCT
easat-9618	146	21	behavior	behavior	NOUN
easat-9618	146	22	-	-	PUNCT
easat-9618	146	23	oriented	orient	VERB
easat-9618	146	24	interventions	intervention	NOUN
easat-9618	146	25	.	.	PUNCT
easat-9618	147	1	local	local	ADJ
easat-9618	147	2	governments	government	NOUN
easat-9618	147	3	,	,	PUNCT
easat-9618	147	4	in	in	ADP
easat-9618	147	5	collaboration	collaboration	NOUN
easat-9618	147	6	with	with	ADP
easat-9618	147	7	universities	university	NOUN
easat-9618	147	8	and	and	CCONJ
easat-9618	147	9	fintech	fintech	NOUN
easat-9618	147	10	startups	startup	NOUN
easat-9618	147	11	,	,	PUNCT
easat-9618	147	12	should	should	AUX
easat-9618	147	13	provide	provide	VERB
easat-9618	147	14	digital	digital	ADJ
easat-9618	147	15	applications	application	NOUN
easat-9618	147	16	for	for	ADP
easat-9618	147	17	bookkeeping	bookkeeping	NOUN
easat-9618	147	18	and	and	CCONJ
easat-9618	147	19	financial	financial	ADJ
easat-9618	147	20	reporting	reporting	NOUN
easat-9618	147	21	tailored	tailor	VERB
easat-9618	147	22	to	to	ADP
easat-9618	147	23	msme	msme	NOUN
easat-9618	147	24	needs	need	NOUN
easat-9618	147	25	.	.	PUNCT
easat-9618	148	1	these	these	DET
easat-9618	148	2	tools	tool	NOUN
easat-9618	148	3	must	must	AUX
easat-9618	148	4	be	be	AUX
easat-9618	148	5	intuitive	intuitive	ADJ
easat-9618	148	6	and	and	CCONJ
easat-9618	148	7	compatible	compatible	ADJ
easat-9618	148	8	with	with	ADP
easat-9618	148	9	the	the	DET
easat-9618	148	10	technological	technological	ADJ
easat-9618	148	11	capabilities	capability	NOUN
easat-9618	148	12	of	of	ADP
easat-9618	148	13	small	small	ADJ
easat-9618	148	14	business	business	NOUN
easat-9618	148	15	owners	owner	NOUN
easat-9618	148	16	.	.	PUNCT
easat-9618	149	1	a	a	DET
easat-9618	149	2	structured	structured	ADJ
easat-9618	149	3	quarterly	quarterly	ADJ
easat-9618	149	4	mentoring	mentoring	NOUN
easat-9618	149	5	program	program	NOUN
easat-9618	149	6	involving	involve	VERB
easat-9618	149	7	academic	academic	ADJ
easat-9618	149	8	institutions	institution	NOUN
easat-9618	149	9	and	and	CCONJ
easat-9618	149	10	local	local	ADJ
easat-9618	149	11	cooperative	cooperative	ADJ
easat-9618	149	12	offices	office	NOUN
easat-9618	149	13	can	can	AUX
easat-9618	149	14	help	help	VERB
easat-9618	149	15	evaluate	evaluate	VERB
easat-9618	149	16	and	and	CCONJ
easat-9618	149	17	reinforce	reinforce	VERB
easat-9618	149	18	financial	financial	ADJ
easat-9618	149	19	practices	practice	NOUN
easat-9618	149	20	among	among	ADP
easat-9618	149	21	msmes	msme	NOUN
easat-9618	149	22	.	.	PUNCT
easat-9618	150	1	in	in	ADP
easat-9618	150	2	parallel	parallel	NOUN
easat-9618	150	3	,	,	PUNCT
easat-9618	150	4	a	a	DET
easat-9618	150	5	national	national	ADJ
easat-9618	150	6	1411	1411	NUM
easat-9618	150	7	edelweiss	edelweiss	PROPN
easat-9618	150	8	applied	apply	VERB
easat-9618	150	9	science	science	NOUN
easat-9618	150	10	and	and	CCONJ
easat-9618	150	11	technology	technology	NOUN
easat-9618	150	12	issn	issn	PROPN
easat-9618	150	13	:	:	PUNCT
easat-9618	150	14	2576	2576	NUM
easat-9618	150	15	-	-	SYM
easat-9618	150	16	8484	8484	NUM
easat-9618	150	17	vol	vol	NOUN
easat-9618	150	18	.	.	PROPN
easat-9618	151	1	9	9	NUM
easat-9618	151	2	,	,	PUNCT
easat-9618	151	3	no	no	INTJ
easat-9618	151	4	.	.	NOUN
easat-9618	151	5	8	8	NUM
easat-9618	151	6	:	:	PUNCT
easat-9618	151	7	1406	1406	NUM
easat-9618	151	8	-	-	SYM
easat-9618	151	9	1412	1412	NUM
easat-9618	151	10	,	,	PUNCT
easat-9618	151	11	2025	2025	NUM
easat-9618	151	12	doi	doi	NOUN
easat-9618	151	13	:	:	PUNCT
easat-9618	151	14	10.55214/2576	10.55214/2576	NUM
easat-9618	151	15	-	-	NOUN
easat-9618	151	16	8484.v9i8.9618	8484.v9i8.9618	NOUN
easat-9618	151	17	©	©	PROPN
easat-9618	151	18	2025	2025	NUM
easat-9618	151	19	by	by	ADP
easat-9618	151	20	the	the	DET
easat-9618	151	21	authors	author	NOUN
easat-9618	151	22	;	;	PUNCT
easat-9618	151	23	licensee	licensee	PROPN
easat-9618	151	24	learning	learn	VERB
easat-9618	151	25	gate	gate	NOUN
easat-9618	151	26	awareness	awareness	NOUN
easat-9618	151	27	campaign	campaign	NOUN
easat-9618	151	28	,	,	PUNCT
easat-9618	151	29	such	such	ADJ
easat-9618	151	30	as	as	ADP
easat-9618	151	31	"	"	PUNCT
easat-9618	151	32	financially	financially	ADV
easat-9618	151	33	disciplined	discipline	VERB
easat-9618	151	34	msmes	msme	NOUN
easat-9618	151	35	"	"	PUNCT
easat-9618	151	36	it	it	PRON
easat-9618	151	37	can	can	AUX
easat-9618	151	38	be	be	AUX
easat-9618	151	39	introduced	introduce	VERB
easat-9618	151	40	to	to	PART
easat-9618	151	41	build	build	VERB
easat-9618	151	42	positive	positive	ADJ
easat-9618	151	43	behavioral	behavioral	ADJ
easat-9618	151	44	norms	norm	NOUN
easat-9618	151	45	using	use	VERB
easat-9618	151	46	mass	mass	ADJ
easat-9618	151	47	media	medium	NOUN
easat-9618	151	48	and	and	CCONJ
easat-9618	151	49	social	social	ADJ
easat-9618	151	50	platforms	platform	NOUN
easat-9618	151	51	.	.	PUNCT
easat-9618	152	1	in	in	ADP
easat-9618	152	2	addition	addition	NOUN
easat-9618	152	3	,	,	PUNCT
easat-9618	152	4	a	a	DET
easat-9618	152	5	practical	practical	ADJ
easat-9618	152	6	training	training	NOUN
easat-9618	152	7	curriculum	curriculum	NOUN
easat-9618	152	8	encompassing	encompass	VERB
easat-9618	152	9	the	the	DET
easat-9618	152	10	four	four	NUM
easat-9618	152	11	behavioral	behavioral	ADJ
easat-9618	152	12	dimensions	dimension	NOUN
easat-9618	152	13	:	:	PUNCT
easat-9618	152	14	financial	financial	ADJ
easat-9618	152	15	planning	planning	NOUN
easat-9618	152	16	,	,	PUNCT
easat-9618	152	17	recordkeeping	recordkeeping	NOUN
easat-9618	152	18	,	,	PUNCT
easat-9618	152	19	evaluation	evaluation	NOUN
easat-9618	152	20	,	,	PUNCT
easat-9618	152	21	and	and	CCONJ
easat-9618	152	22	control	control	NOUN
easat-9618	152	23	,	,	PUNCT
easat-9618	152	24	should	should	AUX
easat-9618	152	25	be	be	AUX
easat-9618	152	26	developed	develop	VERB
easat-9618	152	27	and	and	CCONJ
easat-9618	152	28	included	include	VERB
easat-9618	152	29	in	in	ADP
easat-9618	152	30	financial	financial	ADJ
easat-9618	152	31	education	education	NOUN
easat-9618	152	32	modules	module	NOUN
easat-9618	152	33	for	for	ADP
easat-9618	152	34	msmes	msme	NOUN
easat-9618	152	35	.	.	PUNCT
easat-9618	153	1	this	this	PRON
easat-9618	153	2	ensures	ensure	VERB
easat-9618	153	3	that	that	SCONJ
easat-9618	153	4	financial	financial	ADJ
easat-9618	153	5	literacy	literacy	NOUN
easat-9618	153	6	is	be	AUX
easat-9618	153	7	operationalized	operationalize	VERB
easat-9618	153	8	in	in	ADP
easat-9618	153	9	daily	daily	ADJ
easat-9618	153	10	decisionmaking	decisionmaking	NOUN
easat-9618	153	11	and	and	CCONJ
easat-9618	153	12	managerial	managerial	ADJ
easat-9618	153	13	conduct	conduct	NOUN
easat-9618	153	14	.	.	PUNCT
easat-9618	154	1	7.3	7.3	NUM
easat-9618	154	2	.	.	PUNCT
easat-9618	155	1	business	business	NOUN
easat-9618	155	2	performance	performance	NOUN
easat-9618	155	3	to	to	PART
easat-9618	155	4	enhance	enhance	VERB
easat-9618	155	5	business	business	NOUN
easat-9618	155	6	performance	performance	NOUN
easat-9618	155	7	,	,	PUNCT
easat-9618	155	8	interventions	intervention	NOUN
easat-9618	155	9	must	must	AUX
easat-9618	155	10	focus	focus	VERB
easat-9618	155	11	on	on	ADP
easat-9618	155	12	translating	translate	VERB
easat-9618	155	13	improved	improved	ADJ
easat-9618	155	14	literacy	literacy	NOUN
easat-9618	155	15	and	and	CCONJ
easat-9618	155	16	behavior	behavior	NOUN
easat-9618	155	17	into	into	ADP
easat-9618	155	18	tangible	tangible	ADJ
easat-9618	155	19	outcomes	outcome	NOUN
easat-9618	155	20	.	.	PUNCT
easat-9618	156	1	policymakers	policymaker	NOUN
easat-9618	156	2	should	should	AUX
easat-9618	156	3	prioritize	prioritize	VERB
easat-9618	156	4	access	access	NOUN
easat-9618	156	5	to	to	ADP
easat-9618	156	6	market	market	NOUN
easat-9618	156	7	information	information	NOUN
easat-9618	156	8	,	,	PUNCT
easat-9618	156	9	digital	digital	ADJ
easat-9618	156	10	marketing	marketing	NOUN
easat-9618	156	11	skills	skill	NOUN
easat-9618	156	12	,	,	PUNCT
easat-9618	156	13	and	and	CCONJ
easat-9618	156	14	supply	supply	NOUN
easat-9618	156	15	chain	chain	NOUN
easat-9618	156	16	integration	integration	NOUN
easat-9618	156	17	for	for	ADP
easat-9618	156	18	msmes	msme	NOUN
easat-9618	156	19	.	.	PUNCT
easat-9618	157	1	business	business	NOUN
easat-9618	157	2	performance	performance	NOUN
easat-9618	157	3	metrics	metric	NOUN
easat-9618	157	4	such	such	ADJ
easat-9618	157	5	as	as	ADP
easat-9618	157	6	profitability	profitability	NOUN
easat-9618	157	7	,	,	PUNCT
easat-9618	157	8	growth	growth	NOUN
easat-9618	157	9	,	,	PUNCT
easat-9618	157	10	competitiveness	competitiveness	NOUN
easat-9618	157	11	,	,	PUNCT
easat-9618	157	12	and	and	CCONJ
easat-9618	157	13	operational	operational	ADJ
easat-9618	157	14	effectiveness	effectiveness	NOUN
easat-9618	157	15	should	should	AUX
easat-9618	157	16	be	be	AUX
easat-9618	157	17	periodically	periodically	ADV
easat-9618	157	18	monitored	monitor	VERB
easat-9618	157	19	using	use	VERB
easat-9618	157	20	standardized	standardized	ADJ
easat-9618	157	21	tools	tool	NOUN
easat-9618	157	22	provided	provide	VERB
easat-9618	157	23	through	through	ADP
easat-9618	157	24	government	government	NOUN
easat-9618	157	25	or	or	CCONJ
easat-9618	157	26	university	university	NOUN
easat-9618	157	27	-	-	PUNCT
easat-9618	157	28	led	lead	VERB
easat-9618	157	29	business	business	NOUN
easat-9618	157	30	clinics	clinic	NOUN
easat-9618	157	31	.	.	PUNCT
easat-9618	158	1	capacity	capacity	NOUN
easat-9618	158	2	-	-	PUNCT
easat-9618	158	3	building	building	NOUN
easat-9618	158	4	programs	program	NOUN
easat-9618	158	5	must	must	AUX
easat-9618	158	6	also	also	ADV
easat-9618	158	7	include	include	VERB
easat-9618	158	8	modules	module	NOUN
easat-9618	158	9	on	on	ADP
easat-9618	158	10	performance	performance	NOUN
easat-9618	158	11	evaluation	evaluation	NOUN
easat-9618	158	12	,	,	PUNCT
easat-9618	158	13	enabling	enable	VERB
easat-9618	158	14	msme	msme	NOUN
easat-9618	158	15	actors	actor	NOUN
easat-9618	158	16	to	to	PART
easat-9618	158	17	interpret	interpret	VERB
easat-9618	158	18	key	key	ADJ
easat-9618	158	19	performance	performance	NOUN
easat-9618	158	20	indicators	indicator	NOUN
easat-9618	158	21	and	and	CCONJ
easat-9618	158	22	respond	respond	VERB
easat-9618	158	23	strategically	strategically	ADV
easat-9618	158	24	.	.	PUNCT
easat-9618	159	1	finally	finally	ADV
easat-9618	159	2	,	,	PUNCT
easat-9618	159	3	performance	performance	NOUN
easat-9618	159	4	-	-	PUNCT
easat-9618	159	5	driven	drive	VERB
easat-9618	159	6	financing	financing	NOUN
easat-9618	159	7	schemes	scheme	NOUN
easat-9618	159	8	,	,	PUNCT
easat-9618	159	9	such	such	ADJ
easat-9618	159	10	as	as	ADP
easat-9618	159	11	grants	grant	NOUN
easat-9618	159	12	or	or	CCONJ
easat-9618	159	13	low	low	ADJ
easat-9618	159	14	-	-	PUNCT
easat-9618	159	15	interest	interest	NOUN
easat-9618	159	16	credit	credit	NOUN
easat-9618	159	17	linked	link	VERB
easat-9618	159	18	to	to	ADP
easat-9618	159	19	recordkeeping	recordkeeping	NOUN
easat-9618	159	20	and	and	CCONJ
easat-9618	159	21	financial	financial	ADJ
easat-9618	159	22	discipline	discipline	NOUN
easat-9618	159	23	,	,	PUNCT
easat-9618	159	24	can	can	AUX
easat-9618	159	25	be	be	AUX
easat-9618	159	26	introduced	introduce	VERB
easat-9618	159	27	to	to	PART
easat-9618	159	28	incentivize	incentivize	VERB
easat-9618	159	29	sustainable	sustainable	ADJ
easat-9618	159	30	business	business	NOUN
easat-9618	159	31	growth	growth	NOUN
easat-9618	159	32	.	.	PUNCT
easat-9618	160	1	transparency	transparency	NOUN
easat-9618	160	2	:	:	PUNCT
easat-9618	160	3	the	the	DET
easat-9618	160	4	authors	author	NOUN
easat-9618	160	5	confirm	confirm	VERB
easat-9618	160	6	that	that	SCONJ
easat-9618	160	7	the	the	DET
easat-9618	160	8	manuscript	manuscript	NOUN
easat-9618	160	9	is	be	AUX
easat-9618	160	10	an	an	DET
easat-9618	160	11	honest	honest	ADJ
easat-9618	160	12	,	,	PUNCT
easat-9618	160	13	accurate	accurate	ADJ
easat-9618	160	14	,	,	PUNCT
easat-9618	160	15	and	and	CCONJ
easat-9618	160	16	transparent	transparent	ADJ
easat-9618	160	17	account	account	NOUN
easat-9618	160	18	of	of	ADP
easat-9618	160	19	the	the	DET
easat-9618	160	20	study	study	NOUN
easat-9618	160	21	;	;	PUNCT
easat-9618	160	22	that	that	SCONJ
easat-9618	160	23	no	no	DET
easat-9618	160	24	vital	vital	ADJ
easat-9618	160	25	features	feature	NOUN
easat-9618	160	26	of	of	ADP
easat-9618	160	27	the	the	DET
easat-9618	160	28	study	study	NOUN
easat-9618	160	29	have	have	AUX
easat-9618	160	30	been	be	AUX
easat-9618	160	31	omitted	omit	VERB
easat-9618	160	32	;	;	PUNCT
easat-9618	160	33	and	and	CCONJ
easat-9618	160	34	that	that	SCONJ
easat-9618	160	35	any	any	DET
easat-9618	160	36	discrepancies	discrepancy	NOUN
easat-9618	160	37	from	from	ADP
easat-9618	160	38	the	the	DET
easat-9618	160	39	study	study	NOUN
easat-9618	160	40	as	as	SCONJ
easat-9618	160	41	planned	plan	VERB
easat-9618	160	42	have	have	AUX
easat-9618	160	43	been	be	AUX
easat-9618	160	44	explained	explain	VERB
easat-9618	160	45	.	.	PUNCT
easat-9618	161	1	this	this	DET
easat-9618	161	2	study	study	NOUN
easat-9618	161	3	followed	follow	VERB
easat-9618	161	4	all	all	DET
easat-9618	161	5	ethical	ethical	ADJ
easat-9618	161	6	practices	practice	NOUN
easat-9618	161	7	during	during	ADP
easat-9618	161	8	writing	writing	NOUN
easat-9618	161	9	.	.	PUNCT
easat-9618	162	1	copyright	copyright	NOUN
easat-9618	162	2	:	:	PUNCT
easat-9618	162	3	©	©	PROPN
easat-9618	162	4	2025	2025	NUM
easat-9618	162	5	by	by	ADP
easat-9618	162	6	the	the	DET
easat-9618	162	7	authors	author	NOUN
easat-9618	162	8	.	.	PUNCT
easat-9618	163	1	this	this	DET
easat-9618	163	2	open	open	ADJ
easat-9618	163	3	-	-	PUNCT
easat-9618	163	4	access	access	NOUN
easat-9618	163	5	article	article	NOUN
easat-9618	163	6	is	be	AUX
easat-9618	163	7	distributed	distribute	VERB
easat-9618	163	8	under	under	ADP
easat-9618	163	9	the	the	DET
easat-9618	163	10	terms	term	NOUN
easat-9618	163	11	and	and	CCONJ
easat-9618	163	12	conditions	condition	NOUN
easat-9618	163	13	of	of	ADP
easat-9618	163	14	the	the	DET
easat-9618	163	15	creative	creative	ADJ
easat-9618	163	16	commons	common	NOUN
easat-9618	163	17	attribution	attribution	NOUN
easat-9618	163	18	(	(	PUNCT
easat-9618	163	19	cc	cc	NOUN
easat-9618	163	20	by	by	ADP
easat-9618	163	21	)	)	PUNCT
easat-9618	163	22	license	license	NOUN
easat-9618	163	23	(	(	PUNCT
easat-9618	163	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9618	163	25	)	)	PUNCT
easat-9618	163	26	.	.	PUNCT
easat-9618	164	1	references	reference	NOUN
easat-9618	164	2	[	[	X
easat-9618	164	3	1	1	NUM
easat-9618	164	4	]	]	X
easat-9618	164	5	ministry	ministry	NOUN
easat-9618	164	6	of	of	ADP
easat-9618	164	7	cooperatives	cooperative	NOUN
easat-9618	164	8	and	and	CCONJ
easat-9618	164	9	smes	sme	NOUN
easat-9618	164	10	,	,	PUNCT
easat-9618	164	11	indonesian	indonesian	ADJ
easat-9618	164	12	msme	msme	PROPN
easat-9618	164	13	annual	annual	ADJ
easat-9618	164	14	report	report	NOUN
easat-9618	164	15	2022	2022	NUM
easat-9618	164	16	.	.	PUNCT
easat-9618	165	1	jakarta	jakarta	PROPN
easat-9618	165	2	:	:	PUNCT
easat-9618	165	3	kemenkop	kemenkop	PROPN
easat-9618	165	4	ukm	ukm	PROPN
easat-9618	165	5	,	,	PUNCT
easat-9618	165	6	2022	2022	NUM
easat-9618	165	7	.	.	PUNCT
easat-9618	166	1	[	[	X
easat-9618	166	2	2	2	NUM
easat-9618	166	3	]	]	PUNCT
easat-9618	166	4	bps	bps	NOUN
easat-9618	166	5	statistics	statistic	NOUN
easat-9618	166	6	indonesia	indonesia	PROPN
easat-9618	166	7	,	,	PUNCT
easat-9618	166	8	2023	2023	NUM
easat-9618	166	9	msme	msme	NOUN
easat-9618	166	10	statistics	statistic	NOUN
easat-9618	166	11	.	.	PUNCT
easat-9618	167	1	jakarta	jakarta	PROPN
easat-9618	167	2	:	:	PUNCT
easat-9618	167	3	bps	bps	NOUN
easat-9618	167	4	,	,	PUNCT
easat-9618	167	5	2023	2023	NUM
easat-9618	167	6	.	.	PUNCT
easat-9618	168	1	[	[	X
easat-9618	168	2	3	3	X
easat-9618	168	3	]	]	X
easat-9618	168	4	ministry	ministry	PROPN
easat-9618	168	5	of	of	ADP
easat-9618	168	6	trade	trade	PROPN
easat-9618	168	7	,	,	PUNCT
easat-9618	168	8	trade	trade	NOUN
easat-9618	168	9	statistics	statistic	NOUN
easat-9618	168	10	2023	2023	NUM
easat-9618	168	11	.	.	PUNCT
easat-9618	169	1	jakarta	jakarta	PROPN
easat-9618	169	2	:	:	PUNCT
easat-9618	169	3	kementerian	kementerian	PROPN
easat-9618	169	4	perdagangan	perdagangan	VERB
easat-9618	169	5	republik	republik	PROPN
easat-9618	169	6	indonesia	indonesia	PROPN
easat-9618	169	7	,	,	PUNCT
easat-9618	169	8	2023	2023	NUM
easat-9618	169	9	.	.	PUNCT
easat-9618	170	1	[	[	X
easat-9618	170	2	4	4	NUM
easat-9618	170	3	]	]	X
easat-9618	170	4	bank	bank	PROPN
easat-9618	170	5	indonesia	indonesia	PROPN
easat-9618	170	6	,	,	PUNCT
easat-9618	170	7	regional	regional	ADJ
easat-9618	170	8	economic	economic	ADJ
easat-9618	170	9	and	and	CCONJ
easat-9618	170	10	financial	financial	ADJ
easat-9618	170	11	review	review	NOUN
easat-9618	170	12	(	(	PUNCT
easat-9618	170	13	kekr	kekr	PROPN
easat-9618	170	14	)	)	PUNCT
easat-9618	170	15	q4	q4	PROPN
easat-9618	170	16	2023	2023	NUM
easat-9618	170	17	.	.	PUNCT
easat-9618	171	1	jakarta	jakarta	PROPN
easat-9618	171	2	:	:	PUNCT
easat-9618	171	3	bank	bank	PROPN
easat-9618	171	4	indonesia	indonesia	PROPN
easat-9618	171	5	,	,	PUNCT
easat-9618	171	6	2023	2023	NUM
easat-9618	171	7	.	.	PUNCT
easat-9618	172	1	[	[	X
easat-9618	172	2	5	5	NUM
easat-9618	172	3	]	]	X
easat-9618	172	4	smesco	smesco	PROPN
easat-9618	172	5	indonesia	indonesia	PROPN
easat-9618	172	6	,	,	PUNCT
easat-9618	172	7	2023	2023	NUM
easat-9618	172	8	digital	digital	ADJ
easat-9618	172	9	msme	msme	PROPN
easat-9618	172	10	report	report	NOUN
easat-9618	172	11	.	.	PUNCT
easat-9618	173	1	jakarta	jakarta	PROPN
easat-9618	173	2	:	:	PUNCT
easat-9618	173	3	smesco	smesco	PROPN
easat-9618	173	4	,	,	PUNCT
easat-9618	173	5	2023	2023	NUM
easat-9618	173	6	.	.	PUNCT
easat-9618	174	1	[	[	X
easat-9618	174	2	6	6	NUM
easat-9618	174	3	]	]	X
easat-9618	174	4	n.	n.	NOUN
easat-9618	174	5	mien	mien	NOUN
easat-9618	174	6	and	and	CCONJ
easat-9618	174	7	t.	t.	PROPN
easat-9618	174	8	thao	thao	PROPN
easat-9618	174	9	,	,	PUNCT
easat-9618	174	10	"	"	PUNCT
easat-9618	174	11	factors	factor	NOUN
easat-9618	174	12	affecting	affect	VERB
easat-9618	174	13	personal	personal	ADJ
easat-9618	174	14	financial	financial	ADJ
easat-9618	174	15	management	management	NOUN
easat-9618	174	16	behaviors	behavior	NOUN
easat-9618	174	17	:	:	PUNCT
easat-9618	174	18	evidence	evidence	NOUN
easat-9618	174	19	from	from	ADP
easat-9618	174	20	vietnam	vietnam	PROPN
easat-9618	174	21	,	,	PUNCT
easat-9618	174	22	"	"	PUNCT
easat-9618	174	23	presented	present	VERB
easat-9618	174	24	at	at	ADP
easat-9618	174	25	the	the	DET
easat-9618	174	26	economics	economic	NOUN
easat-9618	174	27	and	and	CCONJ
easat-9618	174	28	finance	finance	NOUN
easat-9618	174	29	conference	conference	NOUN
easat-9618	174	30	,	,	PUNCT
easat-9618	174	31	2015	2015	NUM
easat-9618	174	32	.	.	PUNCT
easat-9618	175	1	[	[	X
easat-9618	175	2	7	7	X
easat-9618	175	3	]	]	X
easat-9618	175	4	d.	d.	PROPN
easat-9618	175	5	aribawa	aribawa	PROPN
easat-9618	175	6	,	,	PUNCT
easat-9618	175	7	"	"	PUNCT
easat-9618	175	8	the	the	DET
easat-9618	175	9	influence	influence	NOUN
easat-9618	175	10	of	of	ADP
easat-9618	175	11	financial	financial	ADJ
easat-9618	175	12	literacy	literacy	NOUN
easat-9618	175	13	on	on	ADP
easat-9618	175	14	the	the	DET
easat-9618	175	15	performance	performance	NOUN
easat-9618	175	16	and	and	CCONJ
easat-9618	175	17	sustainability	sustainability	NOUN
easat-9618	175	18	of	of	ADP
easat-9618	175	19	msmes	msme	NOUN
easat-9618	175	20	in	in	ADP
easat-9618	175	21	central	central	ADJ
easat-9618	175	22	java	java	NOUN
easat-9618	175	23	,	,	PUNCT
easat-9618	175	24	"	"	PUNCT
easat-9618	175	25	jurnal	jurnal	ADJ
easat-9618	175	26	siasat	siasat	PROPN
easat-9618	175	27	bisnis	bisnis	PROPN
easat-9618	175	28	,	,	PUNCT
easat-9618	175	29	vol	vol	NOUN
easat-9618	175	30	.	.	PROPN
easat-9618	175	31	20	20	NUM
easat-9618	175	32	,	,	PUNCT
easat-9618	175	33	no	no	INTJ
easat-9618	175	34	.	.	NOUN
easat-9618	175	35	1	1	NUM
easat-9618	175	36	,	,	PUNCT
easat-9618	175	37	pp	pp	ADJ
easat-9618	175	38	.	.	PUNCT
easat-9618	176	1	1	1	NUM
easat-9618	176	2	-	-	SYM
easat-9618	176	3	13	13	NUM
easat-9618	176	4	,	,	PUNCT
easat-9618	176	5	2016	2016	NUM
easat-9618	176	6	.	.	PUNCT
easat-9618	177	1	https://doi.org/10.20885/jsb.vol20.iss1.art1	https://doi.org/10.20885/jsb.vol20.iss1.art1	PROPN
easat-9618	178	1	[	[	X
easat-9618	178	2	8	8	NUM
easat-9618	178	3	]	]	PUNCT
easat-9618	178	4	e.	e.	PROPN
easat-9618	178	5	marissa	marissa	PROPN
easat-9618	178	6	and	and	CCONJ
easat-9618	178	7	d.	d.	PROPN
easat-9618	178	8	fitriyah	fitriyah	PROPN
easat-9618	178	9	,	,	PUNCT
easat-9618	178	10	"	"	PUNCT
easat-9618	178	11	financial	financial	ADJ
easat-9618	178	12	literacy	literacy	NOUN
easat-9618	178	13	,	,	PUNCT
easat-9618	178	14	entrepreneurial	entrepreneurial	ADJ
easat-9618	178	15	behavior	behavior	NOUN
easat-9618	178	16	,	,	PUNCT
easat-9618	178	17	and	and	CCONJ
easat-9618	178	18	msmes	msme	NOUN
easat-9618	178	19	performance	performance	NOUN
easat-9618	178	20	,	,	PUNCT
easat-9618	178	21	"	"	PUNCT
easat-9618	178	22	jurnal	jurnal	ADJ
easat-9618	178	23	keuangan	keuangan	PROPN
easat-9618	178	24	dan	dan	PROPN
easat-9618	178	25	bisnis	bisnis	PROPN
easat-9618	178	26	,	,	PUNCT
easat-9618	178	27	vol	vol	NOUN
easat-9618	178	28	.	.	PROPN
easat-9618	178	29	21	21	NUM
easat-9618	178	30	,	,	PUNCT
easat-9618	178	31	no	no	INTJ
easat-9618	178	32	.	.	NOUN
easat-9618	178	33	1	1	NUM
easat-9618	178	34	,	,	PUNCT
easat-9618	178	35	p.	p.	NOUN
easat-9618	178	36	34‑45	34‑45	NUM
easat-9618	178	37	,	,	PUNCT
easat-9618	178	38	2023	2023	NUM
easat-9618	178	39	.	.	PUNCT
easat-9618	179	1	[	[	X
easat-9618	179	2	9	9	NUM
easat-9618	179	3	]	]	PUNCT
easat-9618	179	4	m.	m.	NOUN
easat-9618	179	5	sesa	sesa	PROPN
easat-9618	179	6	,	,	PUNCT
easat-9618	179	7	k.	k.	PROPN
easat-9618	179	8	afriani	afriani	PROPN
easat-9618	179	9	,	,	PUNCT
easat-9618	179	10	and	and	CCONJ
easat-9618	179	11	m.	m.	PROPN
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easat-9618	179	14	"	"	PUNCT
easat-9618	179	15	the	the	DET
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easat-9618	179	17	role	role	NOUN
easat-9618	179	18	of	of	ADP
easat-9618	179	19	financial	financial	ADJ
easat-9618	179	20	behavior	behavior	NOUN
easat-9618	179	21	on	on	ADP
easat-9618	179	22	the	the	DET
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easat-9618	179	24	of	of	ADP
easat-9618	179	25	financial	financial	ADJ
easat-9618	179	26	literacy	literacy	NOUN
easat-9618	179	27	and	and	CCONJ
easat-9618	179	28	business	business	NOUN
easat-9618	179	29	sustainability	sustainability	NOUN
easat-9618	179	30	,	,	PUNCT
easat-9618	179	31	"	"	PUNCT
easat-9618	179	32	jurnal	jurnal	ADJ
easat-9618	179	33	ekonomi	ekonomi	PROPN
easat-9618	179	34	dan	dan	PROPN
easat-9618	179	35	bisnis	bisnis	PROPN
easat-9618	179	36	,	,	PUNCT
easat-9618	179	37	vol	vol	NOUN
easat-9618	179	38	.	.	PROPN
easat-9618	179	39	26	26	NUM
easat-9618	179	40	,	,	PUNCT
easat-9618	179	41	no	no	INTJ
easat-9618	179	42	.	.	NOUN
easat-9618	179	43	2	2	NUM
easat-9618	179	44	,	,	PUNCT
easat-9618	179	45	pp	pp	ADJ
easat-9618	179	46	.	.	PUNCT
easat-9618	180	1	15	15	NUM
easat-9618	180	2	-	-	SYM
easat-9618	180	3	28	28	NUM
easat-9618	180	4	,	,	PUNCT
easat-9618	180	5	2024	2024	NUM
easat-9618	180	6	.	.	PUNCT
easat-9618	181	1	[	[	X
easat-9618	181	2	10	10	NUM
easat-9618	181	3	]	]	X
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easat-9618	181	5	dwi	dwi	PROPN
easat-9618	181	6	setiani	setiani	PROPN
easat-9618	181	7	,	,	PUNCT
easat-9618	181	8	r.	r.	PROPN
easat-9618	181	9	nugraheni	nugraheni	PROPN
easat-9618	181	10	,	,	PUNCT
easat-9618	181	11	and	and	CCONJ
easat-9618	181	12	d.	d.	PROPN
easat-9618	181	13	arifah	arifah	PROPN
easat-9618	181	14	,	,	PUNCT
easat-9618	181	15	"	"	PUNCT
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easat-9618	181	17	of	of	ADP
easat-9618	181	18	financial	financial	ADJ
easat-9618	181	19	literacy	literacy	NOUN
easat-9618	181	20	and	and	CCONJ
easat-9618	181	21	financial	financial	ADJ
easat-9618	181	22	performance	performance	NOUN
easat-9618	181	23	of	of	ADP
easat-9618	181	24	msmes	msme	NOUN
easat-9618	181	25	,	,	PUNCT
easat-9618	181	26	"	"	PUNCT
easat-9618	181	27	jurnal	jurnal	ADJ
easat-9618	181	28	akuntansi	akuntansi	PROPN
easat-9618	181	29	dan	dan	PROPN
easat-9618	181	30	investasi	investasi	PROPN
easat-9618	181	31	,	,	PUNCT
easat-9618	181	32	vol	vol	NOUN
easat-9618	181	33	.	.	PROPN
easat-9618	181	34	25	25	NUM
easat-9618	181	35	,	,	PUNCT
easat-9618	181	36	no	no	INTJ
easat-9618	181	37	.	.	NOUN
easat-9618	181	38	1	1	NUM
easat-9618	181	39	,	,	PUNCT
easat-9618	181	40	p.	p.	NOUN
easat-9618	181	41	56‑70	56‑70	NUM
easat-9618	181	42	,	,	PUNCT
easat-9618	181	43	2024	2024	NUM
easat-9618	181	44	.	.	PUNCT
easat-9618	182	1	[	[	X
easat-9618	182	2	11	11	NUM
easat-9618	182	3	]	]	X
easat-9618	182	4	h.	h.	PROPN
easat-9618	182	5	fitria	fitria	PROPN
easat-9618	182	6	,	,	PUNCT
easat-9618	182	7	h.	h.	PROPN
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easat-9618	182	9	,	,	PUNCT
easat-9618	182	10	and	and	CCONJ
easat-9618	182	11	d.	d.	PROPN
easat-9618	182	12	ardiansyah	ardiansyah	PROPN
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easat-9618	182	14	"	"	PUNCT
easat-9618	182	15	financial	financial	ADJ
easat-9618	182	16	literacy	literacy	NOUN
easat-9618	182	17	and	and	CCONJ
easat-9618	182	18	msmes	msme	NOUN
easat-9618	182	19	performance	performance	NOUN
easat-9618	182	20	,	,	PUNCT
easat-9618	182	21	"	"	PUNCT
easat-9618	182	22	jurnal	jurnal	ADJ
easat-9618	182	23	ilmiah	ilmiah	NOUN
easat-9618	182	24	manajemen	manajeman	NOUN
easat-9618	182	25	,	,	PUNCT
easat-9618	182	26	vol	vol	NOUN
easat-9618	182	27	.	.	PROPN
easat-9618	182	28	9	9	NUM
easat-9618	182	29	,	,	PUNCT
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easat-9618	182	31	.	.	NOUN
easat-9618	182	32	3	3	NUM
easat-9618	182	33	,	,	PUNCT
easat-9618	182	34	pp	pp	ADJ
easat-9618	182	35	.	.	PUNCT
easat-9618	183	1	120	120	NUM
easat-9618	183	2	-	-	SYM
easat-9618	183	3	128	128	NUM
easat-9618	183	4	,	,	PUNCT
easat-9618	183	5	2021	2021	NUM
easat-9618	183	6	.	.	PUNCT
easat-9618	184	1	[	[	X
easat-9618	184	2	12	12	NUM
easat-9618	184	3	]	]	PUNCT
easat-9618	184	4	a.	a.	NOUN
easat-9618	184	5	putri	putri	PROPN
easat-9618	184	6	and	and	CCONJ
easat-9618	184	7	a.	a.	NOUN
easat-9618	184	8	nugroho	nugroho	NOUN
easat-9618	184	9	,	,	PUNCT
easat-9618	184	10	"	"	PUNCT
easat-9618	184	11	financial	financial	ADJ
easat-9618	184	12	literacy	literacy	NOUN
easat-9618	184	13	,	,	PUNCT
easat-9618	184	14	attitude	attitude	NOUN
easat-9618	184	15	,	,	PUNCT
easat-9618	184	16	and	and	CCONJ
easat-9618	184	17	behavior	behavior	NOUN
easat-9618	184	18	of	of	ADP
easat-9618	184	19	msmes	msme	NOUN
easat-9618	184	20	in	in	ADP
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easat-9618	184	22	,	,	PUNCT
easat-9618	184	23	"	"	PUNCT
easat-9618	184	24	jurnal	jurnal	ADJ
easat-9618	184	25	keuangan	keuangan	PROPN
easat-9618	184	26	dan	dan	PROPN
easat-9618	184	27	perbankan	perbankan	PROPN
easat-9618	184	28	,	,	PUNCT
easat-9618	184	29	vol	vol	NOUN
easat-9618	184	30	.	.	PROPN
easat-9618	184	31	25	25	NUM
easat-9618	184	32	,	,	PUNCT
easat-9618	184	33	no	no	INTJ
easat-9618	184	34	.	.	NOUN
easat-9618	184	35	3	3	NUM
easat-9618	184	36	,	,	PUNCT
easat-9618	184	37	pp	pp	ADJ
easat-9618	184	38	.	.	PUNCT
easat-9618	185	1	389	389	NUM
easat-9618	185	2	-	-	SYM
easat-9618	185	3	402	402	NUM
easat-9618	185	4	,	,	PUNCT
easat-9618	185	5	2021	2021	NUM
easat-9618	185	6	.	.	PUNCT
easat-9618	186	1	[	[	X
easat-9618	186	2	13	13	NUM
easat-9618	186	3	]	]	PUNCT
easat-9618	186	4	r.	r.	PROPN
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easat-9618	186	7	c.	c.	PROPN
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easat-9618	186	9	,	,	PUNCT
easat-9618	186	10	and	and	CCONJ
easat-9618	186	11	s.	s.	PROPN
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easat-9618	186	17	of	of	ADP
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easat-9618	186	19	literacy	literacy	NOUN
easat-9618	186	20	on	on	ADP
easat-9618	186	21	msme	msme	NOUN
easat-9618	186	22	behavior	behavior	NOUN
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easat-9618	186	25	,	,	PUNCT
easat-9618	186	26	"	"	PUNCT
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easat-9618	186	28	ekonomi	ekonomi	PROPN
easat-9618	186	29	dan	dan	PROPN
easat-9618	186	30	manajemen	manajemen	PROPN
easat-9618	186	31	,	,	PUNCT
easat-9618	186	32	vol	vol	NOUN
easat-9618	186	33	.	.	PROPN
easat-9618	186	34	17	17	NUM
easat-9618	186	35	,	,	PUNCT
easat-9618	186	36	no	no	INTJ
easat-9618	186	37	.	.	NOUN
easat-9618	186	38	1	1	NUM
easat-9618	186	39	,	,	PUNCT
easat-9618	186	40	pp	pp	ADJ
easat-9618	186	41	.	.	PUNCT
easat-9618	186	42	44	44	NUM
easat-9618	186	43	-	-	SYM
easat-9618	186	44	55	55	NUM
easat-9618	186	45	,	,	PUNCT
easat-9618	186	46	2022	2022	NUM
easat-9618	186	47	.	.	PUNCT
easat-9618	187	1	[	[	X
easat-9618	187	2	14	14	NUM
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easat-9618	187	9	,	,	PUNCT
easat-9618	187	10	"	"	PUNCT
easat-9618	187	11	the	the	DET
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easat-9618	187	15	literacy	literacy	NOUN
easat-9618	187	16	and	and	CCONJ
easat-9618	187	17	behavior	behavior	NOUN
easat-9618	187	18	on	on	ADP
easat-9618	187	19	smes	sme	NOUN
easat-9618	187	20	performance	performance	NOUN
easat-9618	187	21	:	:	PUNCT
easat-9618	187	22	a	a	DET
easat-9618	187	23	pls‑sem	pls‑sem	NOUN
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easat-9618	187	25	,	,	PUNCT
easat-9618	187	26	"	"	PUNCT
easat-9618	187	27	jurnal	jurnal	ADJ
easat-9618	187	28	akuntansi	akuntansi	PROPN
easat-9618	187	29	multiparadigma	multiparadigma	PROPN
easat-9618	187	30	,	,	PUNCT
easat-9618	187	31	vol	vol	NOUN
easat-9618	187	32	.	.	PROPN
easat-9618	187	33	15	15	NUM
easat-9618	187	34	,	,	PUNCT
easat-9618	187	35	no	no	INTJ
easat-9618	187	36	.	.	NOUN
easat-9618	187	37	1	1	NUM
easat-9618	187	38	,	,	PUNCT
easat-9618	187	39	pp	pp	ADJ
easat-9618	187	40	.	.	PUNCT
easat-9618	188	1	91–106	91–106	NUM
easat-9618	188	2	,	,	PUNCT
easat-9618	188	3	2024	2024	NUM
easat-9618	188	4	.	.	PUNCT
easat-9618	189	1	[	[	X
easat-9618	189	2	15	15	NUM
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easat-9618	189	9	,	,	PUNCT
easat-9618	189	10	"	"	PUNCT
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easat-9618	189	13	–	–	PUNCT
easat-9618	189	14	a	a	DET
easat-9618	189	15	theoretical	theoretical	ADJ
easat-9618	189	16	framework	framework	NOUN
easat-9618	189	17	,	,	PUNCT
easat-9618	189	18	"	"	PUNCT
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easat-9618	189	22	and	and	CCONJ
easat-9618	189	23	experimental	experimental	ADJ
easat-9618	189	24	economics	economic	NOUN
easat-9618	189	25	,	,	PUNCT
easat-9618	189	26	vol	vol	NOUN
easat-9618	189	27	.	.	PROPN
easat-9618	189	28	63	63	NUM
easat-9618	189	29	,	,	PUNCT
easat-9618	189	30	pp	pp	ADJ
easat-9618	189	31	.	.	PUNCT
easat-9618	189	32	12–18	12–18	NUM
easat-9618	189	33	,	,	PUNCT
easat-9618	189	34	2016	2016	NUM
easat-9618	189	35	.	.	PUNCT
easat-9618	190	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9618	190	2	https://doi.org/10.20885/jsb.vol20.iss1.art1	https://doi.org/10.20885/jsb.vol20.iss1.art1	PROPN
easat-9618	190	3	1412	1412	NUM
easat-9618	190	4	edelweiss	edelweiss	PROPN
easat-9618	190	5	applied	apply	VERB
easat-9618	190	6	science	science	NOUN
easat-9618	190	7	and	and	CCONJ
easat-9618	190	8	technology	technology	NOUN
easat-9618	190	9	issn	issn	PROPN
easat-9618	190	10	:	:	PUNCT
easat-9618	190	11	2576	2576	NUM
easat-9618	190	12	-	-	SYM
easat-9618	190	13	8484	8484	NUM
easat-9618	190	14	vol	vol	NOUN
easat-9618	190	15	.	.	PROPN
easat-9618	191	1	9	9	NUM
easat-9618	191	2	,	,	PUNCT
easat-9618	191	3	no	no	INTJ
easat-9618	191	4	.	.	NOUN
easat-9618	191	5	8	8	NUM
easat-9618	191	6	:	:	PUNCT
easat-9618	191	7	1406	1406	NUM
easat-9618	191	8	-	-	SYM
easat-9618	191	9	1412	1412	NUM
easat-9618	191	10	,	,	PUNCT
easat-9618	191	11	2025	2025	NUM
easat-9618	191	12	doi	doi	NOUN
easat-9618	191	13	:	:	PUNCT
easat-9618	191	14	10.55214/2576	10.55214/2576	NUM
easat-9618	191	15	-	-	NOUN
easat-9618	191	16	8484.v9i8.9618	8484.v9i8.9618	NOUN
easat-9618	191	17	©	©	PROPN
easat-9618	191	18	2025	2025	NUM
easat-9618	191	19	by	by	ADP
easat-9618	191	20	the	the	DET
easat-9618	191	21	authors	author	NOUN
easat-9618	191	22	;	;	PUNCT
easat-9618	191	23	licensee	licensee	PROPN
easat-9618	191	24	learning	learning	NOUN
easat-9618	191	25	gate	gate	NOUN
easat-9618	192	1	[	[	X
easat-9618	192	2	16	16	NUM
easat-9618	192	3	]	]	PUNCT
easat-9618	192	4	r.	r.	PROPN
easat-9618	192	5	thaler	thaler	PROPN
easat-9618	192	6	,	,	PUNCT
easat-9618	192	7	"	"	PUNCT
easat-9618	192	8	toward	toward	ADP
easat-9618	192	9	a	a	DET
easat-9618	192	10	positive	positive	ADJ
easat-9618	192	11	theory	theory	NOUN
easat-9618	192	12	of	of	ADP
easat-9618	192	13	consumer	consumer	NOUN
easat-9618	192	14	choice	choice	NOUN
easat-9618	192	15	,	,	PUNCT
easat-9618	192	16	"	"	PUNCT
easat-9618	192	17	journal	journal	NOUN
easat-9618	192	18	of	of	ADP
easat-9618	192	19	economic	economic	ADJ
easat-9618	192	20	behavior	behavior	NOUN
easat-9618	192	21	&	&	CCONJ
easat-9618	192	22	organization	organization	PROPN
easat-9618	192	23	,	,	PUNCT
easat-9618	192	24	vol	vol	NOUN
easat-9618	192	25	.	.	PROPN
easat-9618	192	26	1	1	NUM
easat-9618	192	27	,	,	PUNCT
easat-9618	192	28	no	no	INTJ
easat-9618	192	29	.	.	NOUN
easat-9618	192	30	1	1	NUM
easat-9618	192	31	,	,	PUNCT
easat-9618	192	32	pp	pp	ADJ
easat-9618	192	33	.	.	PUNCT
easat-9618	193	1	39	39	NUM
easat-9618	193	2	-	-	SYM
easat-9618	193	3	60	60	NUM
easat-9618	193	4	,	,	PUNCT
easat-9618	193	5	1980	1980	NUM
easat-9618	193	6	.	.	PUNCT
easat-9618	194	1	https://doi.org/10.1016/0167-2681(80)90051-7	https://doi.org/10.1016/0167-2681(80)90051-7	PROPN
easat-9618	194	2	[	[	X
easat-9618	194	3	17	17	NUM
easat-9618	194	4	]	]	X
easat-9618	194	5	h.	h.	PROPN
easat-9618	194	6	shefrin	shefrin	NOUN
easat-9618	194	7	,	,	PUNCT
easat-9618	194	8	beyond	beyond	ADP
easat-9618	194	9	greed	greed	NOUN
easat-9618	194	10	and	and	CCONJ
easat-9618	194	11	fear	fear	NOUN
easat-9618	194	12	:	:	PUNCT
easat-9618	194	13	understanding	understand	VERB
easat-9618	194	14	behavioral	behavioral	ADJ
easat-9618	194	15	finance	finance	NOUN
easat-9618	194	16	and	and	CCONJ
easat-9618	194	17	the	the	DET
easat-9618	194	18	psychology	psychology	NOUN
easat-9618	194	19	of	of	ADP
easat-9618	194	20	investing	investing	PROPN
easat-9618	194	21	.	.	PUNCT
easat-9618	195	1	boston	boston	PROPN
easat-9618	195	2	:	:	PUNCT
easat-9618	195	3	harvard	harvard	PROPN
easat-9618	195	4	business	business	PROPN
easat-9618	195	5	school	school	PROPN
easat-9618	195	6	press	press	NOUN
easat-9618	195	7	,	,	PUNCT
easat-9618	195	8	2000	2000	NUM
easat-9618	195	9	.	.	PUNCT
easat-9618	196	1	[	[	X
easat-9618	196	2	18	18	NUM
easat-9618	196	3	]	]	X
easat-9618	196	4	l.	l.	PROPN
easat-9618	196	5	gitman	gitman	PROPN
easat-9618	196	6	and	and	CCONJ
easat-9618	196	7	c.	c.	PROPN
easat-9618	196	8	zutter	zutter	PROPN
easat-9618	196	9	,	,	PUNCT
easat-9618	196	10	principles	principle	NOUN
easat-9618	196	11	of	of	ADP
easat-9618	196	12	managerial	managerial	ADJ
easat-9618	196	13	finance	finance	NOUN
easat-9618	196	14	,	,	PUNCT
easat-9618	196	15	13th	13th	NOUN
easat-9618	196	16	ed	ed	NOUN
easat-9618	196	17	.	.	PUNCT
easat-9618	197	1	boston	boston	PROPN
easat-9618	197	2	:	:	PUNCT
easat-9618	197	3	pearson	pearson	PROPN
easat-9618	197	4	,	,	PUNCT
easat-9618	197	5	2011	2011	NUM
easat-9618	197	6	.	.	PUNCT
easat-9618	198	1	[	[	X
easat-9618	198	2	19	19	NUM
easat-9618	198	3	]	]	X
easat-9618	198	4	s.	s.	PROPN
easat-9618	198	5	gherghina	gherghina	PROPN
easat-9618	198	6	,	,	PUNCT
easat-9618	198	7	m.	m.	NOUN
easat-9618	198	8	botezatu	botezatu	PROPN
easat-9618	198	9	,	,	PUNCT
easat-9618	198	10	a.	a.	NOUN
easat-9618	198	11	hosszu	hosszu	NOUN
easat-9618	198	12	,	,	PUNCT
easat-9618	198	13	and	and	CCONJ
easat-9618	198	14	l.	l.	PROPN
easat-9618	198	15	simionescu	simionescu	PROPN
easat-9618	198	16	,	,	PUNCT
easat-9618	198	17	"	"	PUNCT
easat-9618	198	18	empirical	empirical	ADJ
easat-9618	198	19	evidence	evidence	NOUN
easat-9618	198	20	from	from	ADP
easat-9618	198	21	eu	eu	PROPN
easat-9618	198	22	on	on	ADP
easat-9618	198	23	the	the	DET
easat-9618	198	24	relationship	relationship	NOUN
easat-9618	198	25	between	between	ADP
easat-9618	198	26	corporate	corporate	ADJ
easat-9618	198	27	social	social	ADJ
easat-9618	198	28	responsibility	responsibility	NOUN
easat-9618	198	29	and	and	CCONJ
easat-9618	198	30	financial	financial	ADJ
easat-9618	198	31	performance	performance	NOUN
easat-9618	198	32	,	,	PUNCT
easat-9618	198	33	"	"	PUNCT
easat-9618	198	34	sustainability	sustainability	NOUN
easat-9618	198	35	,	,	PUNCT
easat-9618	198	36	vol	vol	NOUN
easat-9618	198	37	.	.	PROPN
easat-9618	198	38	12	12	NUM
easat-9618	198	39	,	,	PUNCT
easat-9618	198	40	no	no	INTJ
easat-9618	198	41	.	.	NOUN
easat-9618	198	42	21	21	NUM
easat-9618	198	43	,	,	PUNCT
easat-9618	198	44	p.	p.	NOUN
easat-9618	198	45	8430	8430	NUM
easat-9618	198	46	,	,	PUNCT
easat-9618	198	47	2020	2020	NUM
easat-9618	198	48	.	.	PUNCT
easat-9618	199	1	[	[	X
easat-9618	199	2	20	20	NUM
easat-9618	199	3	]	]	X
easat-9618	199	4	d.	d.	PROPN
easat-9618	199	5	xu	xu	PROPN
easat-9618	199	6	,	,	PUNCT
easat-9618	199	7	j.	j.	PROPN
easat-9618	199	8	zhang	zhang	PROPN
easat-9618	199	9	,	,	PUNCT
easat-9618	199	10	and	and	CCONJ
easat-9618	199	11	h.	h.	PROPN
easat-9618	199	12	wang	wang	PROPN
easat-9618	199	13	 	 	SPACE
easat-9618	199	14	"	"	PUNCT
easat-9618	199	15	strategic	strategic	ADJ
easat-9618	199	16	financial	financial	ADJ
easat-9618	199	17	behavior	behavior	NOUN
easat-9618	199	18	and	and	CCONJ
easat-9618	199	19	performance	performance	NOUN
easat-9618	199	20	of	of	ADP
easat-9618	199	21	smes	sme	NOUN
easat-9618	199	22	:	:	PUNCT
easat-9618	199	23	evidence	evidence	NOUN
easat-9618	199	24	from	from	ADP
easat-9618	199	25	china	china	PROPN
easat-9618	199	26	,	,	PUNCT
easat-9618	199	27	"	"	PUNCT
easat-9618	199	28	journal	journal	NOUN
easat-9618	199	29	of	of	ADP
easat-9618	199	30	small	small	ADJ
easat-9618	199	31	business	business	NOUN
easat-9618	199	32	management	management	NOUN
easat-9618	199	33	,	,	PUNCT
easat-9618	199	34	2023	2023	NUM
easat-9618	199	35	.	.	PUNCT
easat-9618	200	1	[	[	X
easat-9618	200	2	21	21	NUM
easat-9618	200	3	]	]	PUNCT
easat-9618	200	4	s.	s.	PROPN
easat-9618	200	5	k.	k.	PROPN
easat-9618	200	6	agarwalla	agarwalla	PROPN
easat-9618	200	7	,	,	PUNCT
easat-9618	200	8	s.	s.	PROPN
easat-9618	200	9	k.	k.	PROPN
easat-9618	200	10	barua	barua	PROPN
easat-9618	200	11	,	,	PUNCT
easat-9618	200	12	j.	j.	PROPN
easat-9618	200	13	jacob	jacob	PROPN
easat-9618	200	14	,	,	PUNCT
easat-9618	200	15	and	and	CCONJ
easat-9618	200	16	j.	j.	PROPN
easat-9618	200	17	r.	r.	PROPN
easat-9618	200	18	varma	varma	PROPN
easat-9618	200	19	,	,	PUNCT
easat-9618	200	20	"	"	PUNCT
easat-9618	200	21	financial	financial	ADJ
easat-9618	200	22	literacy	literacy	NOUN
easat-9618	200	23	among	among	ADP
easat-9618	200	24	working	work	VERB
easat-9618	200	25	young	young	ADJ
easat-9618	200	26	in	in	ADP
easat-9618	200	27	urban	urban	ADJ
easat-9618	200	28	india	india	PROPN
easat-9618	200	29	,	,	PUNCT
easat-9618	200	30	"	"	PUNCT
easat-9618	200	31	world	world	NOUN
easat-9618	200	32	development	development	NOUN
easat-9618	200	33	,	,	PUNCT
easat-9618	200	34	vol	vol	NOUN
easat-9618	200	35	.	.	PROPN
easat-9618	200	36	67	67	NUM
easat-9618	200	37	,	,	PUNCT
easat-9618	200	38	pp	pp	ADJ
easat-9618	200	39	.	.	PUNCT
easat-9618	201	1	101	101	NUM
easat-9618	201	2	-	-	SYM
easat-9618	201	3	109	109	NUM
easat-9618	201	4	,	,	PUNCT
easat-9618	201	5	2015	2015	NUM
easat-9618	201	6	.	.	PUNCT
easat-9618	202	1	https://doi.org/10.1016/j.worlddev.2014.10.004	https://doi.org/10.1016/j.worlddev.2014.10.004	NOUN
easat-9618	202	2	[	[	X
easat-9618	202	3	22	22	NUM
easat-9618	202	4	]	]	PUNCT
easat-9618	202	5	r.	r.	PROPN
easat-9618	202	6	yakob	yakob	PROPN
easat-9618	202	7	,	,	PUNCT
easat-9618	202	8	n.	n.	PROPN
easat-9618	202	9	noordin	noordin	PROPN
easat-9618	202	10	,	,	PUNCT
easat-9618	202	11	and	and	CCONJ
easat-9618	202	12	n.	n.	PROPN
easat-9618	202	13	mokhtar	mokhtar	PROPN
easat-9618	202	14	,	,	PUNCT
easat-9618	202	15	"	"	PUNCT
easat-9618	202	16	measuring	measure	VERB
easat-9618	202	17	financial	financial	ADJ
easat-9618	202	18	literacy	literacy	NOUN
easat-9618	202	19	:	:	PUNCT
easat-9618	202	20	a	a	DET
easat-9618	202	21	confirmatory	confirmatory	NOUN
easat-9618	202	22	factor	factor	NOUN
easat-9618	202	23	analysis	analysis	NOUN
easat-9618	202	24	approach	approach	NOUN
easat-9618	202	25	,	,	PUNCT
easat-9618	202	26	"	"	PUNCT
easat-9618	202	27	international	international	ADJ
easat-9618	202	28	journal	journal	NOUN
easat-9618	202	29	of	of	ADP
easat-9618	202	30	academic	academic	ADJ
easat-9618	202	31	research	research	NOUN
easat-9618	202	32	in	in	ADP
easat-9618	202	33	business	business	NOUN
easat-9618	202	34	and	and	CCONJ
easat-9618	202	35	social	social	ADJ
easat-9618	202	36	sciences	science	NOUN
easat-9618	202	37	,	,	PUNCT
easat-9618	202	38	vol	vol	NOUN
easat-9618	202	39	.	.	PROPN
easat-9618	202	40	11	11	NUM
easat-9618	202	41	,	,	PUNCT
easat-9618	202	42	no	no	INTJ
easat-9618	202	43	.	.	NOUN
easat-9618	202	44	4	4	NUM
easat-9618	202	45	,	,	PUNCT
easat-9618	202	46	pp	pp	PROPN
easat-9618	202	47	.	.	PUNCT
easat-9618	203	1	1–16	1–16	NOUN
easat-9618	203	2	,	,	PUNCT
easat-9618	203	3	2021	2021	NUM
easat-9618	203	4	.	.	PUNCT
easat-9618	204	1	[	[	X
easat-9618	204	2	23	23	NUM
easat-9618	204	3	]	]	X
easat-9618	204	4	oecd	oecd	PROPN
easat-9618	204	5	,	,	PUNCT
easat-9618	204	6	oecd	oecd	PROPN
easat-9618	204	7	/	/	SYM
easat-9618	204	8	infe	infe	NOUN
easat-9618	204	9	2022	2022	NUM
easat-9618	204	10	international	international	ADJ
easat-9618	204	11	survey	survey	NOUN
easat-9618	204	12	of	of	ADP
easat-9618	204	13	adult	adult	NOUN
easat-9618	204	14	financial	financial	ADJ
easat-9618	204	15	literacy	literacy	NOUN
easat-9618	204	16	.	.	PUNCT
easat-9618	205	1	paris	paris	PROPN
easat-9618	205	2	:	:	PUNCT
easat-9618	206	1	oecd	oecd	PROPN
easat-9618	206	2	publishing	publishing	NOUN
easat-9618	206	3	,	,	PUNCT
easat-9618	206	4	2022	2022	NUM
easat-9618	206	5	.	.	PUNCT
easat-9618	207	1	[	[	X
easat-9618	207	2	24	24	NUM
easat-9618	207	3	]	]	X
easat-9618	207	4	n.	n.	PROPN
easat-9618	207	5	kholilah	kholilah	PROPN
easat-9618	207	6	and	and	CCONJ
easat-9618	207	7	r.	r.	PROPN
easat-9618	207	8	iramani	iramani	PROPN
easat-9618	207	9	,	,	PUNCT
easat-9618	207	10	"	"	PUNCT
easat-9618	207	11	studi	studi	PROPN
easat-9618	207	12	financial	financial	PROPN
easat-9618	207	13	management	management	NOUN
easat-9618	207	14	behavior	behavior	NOUN
easat-9618	207	15	pada	pada	PROPN
easat-9618	207	16	investor	investor	PROPN
easat-9618	207	17	individu	individu	PROPN
easat-9618	207	18	di	di	PROPN
easat-9618	207	19	surabaya	surabaya	PROPN
easat-9618	207	20	,	,	PUNCT
easat-9618	207	21	"	"	PUNCT
easat-9618	207	22	journal	journal	NOUN
easat-9618	207	23	of	of	ADP
easat-9618	207	24	business	business	NOUN
easat-9618	207	25	and	and	CCONJ
easat-9618	207	26	banking	banking	NOUN
easat-9618	207	27	,	,	PUNCT
easat-9618	207	28	vol	vol	NOUN
easat-9618	207	29	.	.	PROPN
easat-9618	208	1	3	3	NUM
easat-9618	208	2	,	,	PUNCT
easat-9618	208	3	no	no	INTJ
easat-9618	208	4	.	.	NOUN
easat-9618	208	5	1	1	NUM
easat-9618	208	6	,	,	PUNCT
easat-9618	208	7	pp	pp	ADJ
easat-9618	208	8	.	.	PUNCT
easat-9618	209	1	69	69	NUM
easat-9618	209	2	-	-	SYM
easat-9618	209	3	80	80	NUM
easat-9618	209	4	,	,	PUNCT
easat-9618	209	5	2013	2013	NUM
easat-9618	209	6	.	.	PUNCT
easat-9618	210	1	[	[	X
easat-9618	210	2	25	25	NUM
easat-9618	210	3	]	]	PUNCT
easat-9618	210	4	j.	j.	PROPN
easat-9618	210	5	p.	p.	PROPN
easat-9618	210	6	dew	dew	PROPN
easat-9618	210	7	and	and	CCONJ
easat-9618	210	8	j.	j.	PROPN
easat-9618	210	9	j.	j.	PROPN
easat-9618	210	10	xiao	xiao	PROPN
easat-9618	210	11	,	,	PUNCT
easat-9618	210	12	"	"	PUNCT
easat-9618	210	13	the	the	DET
easat-9618	210	14	financial	financial	ADJ
easat-9618	210	15	management	management	NOUN
easat-9618	210	16	behavior	behavior	NOUN
easat-9618	210	17	scale	scale	NOUN
easat-9618	210	18	:	:	PUNCT
easat-9618	210	19	development	development	NOUN
easat-9618	210	20	and	and	CCONJ
easat-9618	210	21	validation	validation	NOUN
easat-9618	210	22	,	,	PUNCT
easat-9618	210	23	"	"	PUNCT
easat-9618	210	24	journal	journal	NOUN
easat-9618	210	25	of	of	ADP
easat-9618	210	26	financial	financial	ADJ
easat-9618	210	27	counseling	counseling	NOUN
easat-9618	210	28	and	and	CCONJ
easat-9618	210	29	planning	planning	NOUN
easat-9618	210	30	,	,	PUNCT
easat-9618	210	31	vol	vol	NOUN
easat-9618	210	32	.	.	PROPN
easat-9618	211	1	22	22	NUM
easat-9618	211	2	,	,	PUNCT
easat-9618	211	3	no	no	INTJ
easat-9618	211	4	.	.	NOUN
easat-9618	211	5	1	1	NUM
easat-9618	211	6	,	,	PUNCT
easat-9618	211	7	pp	pp	ADJ
easat-9618	211	8	.	.	PUNCT
easat-9618	212	1	19–35	19–35	NUM
easat-9618	212	2	,	,	PUNCT
easat-9618	212	3	2011	2011	NUM
easat-9618	212	4	.	.	PUNCT
easat-9618	213	1	[	[	X
easat-9618	213	2	26	26	NUM
easat-9618	213	3	]	]	PUNCT
easat-9618	213	4	m.	m.	NOUN
easat-9618	213	5	najib	najib	PROPN
easat-9618	213	6	and	and	CCONJ
easat-9618	213	7	a.	a.	PROPN
easat-9618	213	8	kiminami	kiminami	PROPN
easat-9618	213	9	,	,	PUNCT
easat-9618	213	10	"	"	PUNCT
easat-9618	213	11	innovation	innovation	NOUN
easat-9618	213	12	,	,	PUNCT
easat-9618	213	13	cooperation	cooperation	NOUN
easat-9618	213	14	and	and	CCONJ
easat-9618	213	15	business	business	NOUN
easat-9618	213	16	performance	performance	NOUN
easat-9618	213	17	:	:	PUNCT
easat-9618	213	18	some	some	DET
easat-9618	213	19	evidence	evidence	NOUN
easat-9618	213	20	from	from	ADP
easat-9618	213	21	indonesian	indonesian	ADJ
easat-9618	213	22	small	small	ADJ
easat-9618	213	23	food	food	NOUN
easat-9618	213	24	processing	processing	NOUN
easat-9618	213	25	cluster	cluster	NOUN
easat-9618	213	26	,	,	PUNCT
easat-9618	213	27	"	"	PUNCT
easat-9618	213	28	journal	journal	NOUN
easat-9618	213	29	of	of	ADP
easat-9618	213	30	agribusiness	agribusiness	NOUN
easat-9618	213	31	in	in	ADP
easat-9618	213	32	developing	develop	VERB
easat-9618	213	33	and	and	CCONJ
easat-9618	213	34	emerging	emerge	VERB
easat-9618	213	35	economies	economy	NOUN
easat-9618	213	36	,	,	PUNCT
easat-9618	213	37	vol	vol	NOUN
easat-9618	213	38	.	.	PROPN
easat-9618	213	39	1	1	NUM
easat-9618	213	40	,	,	PUNCT
easat-9618	213	41	no	no	INTJ
easat-9618	213	42	.	.	NOUN
easat-9618	213	43	1	1	NUM
easat-9618	213	44	,	,	PUNCT
easat-9618	213	45	pp	pp	ADJ
easat-9618	213	46	.	.	PUNCT
easat-9618	214	1	75	75	NUM
easat-9618	214	2	-	-	SYM
easat-9618	214	3	96	96	NUM
easat-9618	214	4	,	,	PUNCT
easat-9618	214	5	2011	2011	NUM
easat-9618	214	6	.	.	PUNCT
easat-9618	215	1	https://doi.org/10.1108/20440831111131523	https://doi.org/10.1108/20440831111131523	NOUN
easat-9618	216	1	[	[	X
easat-9618	216	2	27	27	NUM
easat-9618	216	3	]	]	X
easat-9618	216	4	p.	p.	PROPN
easat-9618	216	5	soto	soto	PROPN
easat-9618	216	6	-	-	PUNCT
easat-9618	216	7	acosta	acosta	PROPN
easat-9618	216	8	,	,	PUNCT
easat-9618	216	9	s.	s.	PROPN
easat-9618	216	10	popa	popa	PROPN
easat-9618	216	11	,	,	PUNCT
easat-9618	216	12	and	and	CCONJ
easat-9618	216	13	i.	i.	PROPN
easat-9618	216	14	martinez	martinez	PROPN
easat-9618	216	15	-	-	PUNCT
easat-9618	216	16	conesa	conesa	PROPN
easat-9618	216	17	,	,	PUNCT
easat-9618	216	18	"	"	PUNCT
easat-9618	216	19	information	information	NOUN
easat-9618	216	20	technology	technology	NOUN
easat-9618	216	21	,	,	PUNCT
easat-9618	216	22	knowledge	knowledge	NOUN
easat-9618	216	23	management	management	NOUN
easat-9618	216	24	and	and	CCONJ
easat-9618	216	25	environmental	environmental	ADJ
easat-9618	216	26	dynamism	dynamism	NOUN
easat-9618	216	27	as	as	ADP
easat-9618	216	28	drivers	driver	NOUN
easat-9618	216	29	of	of	ADP
easat-9618	216	30	innovation	innovation	NOUN
easat-9618	216	31	ambidexterity	ambidexterity	NOUN
easat-9618	216	32	:	:	PUNCT
easat-9618	216	33	a	a	DET
easat-9618	216	34	study	study	NOUN
easat-9618	216	35	in	in	ADP
easat-9618	216	36	smes	sme	NOUN
easat-9618	216	37	,	,	PUNCT
easat-9618	216	38	"	"	PUNCT
easat-9618	216	39	journal	journal	NOUN
easat-9618	216	40	of	of	ADP
easat-9618	216	41	knowledge	knowledge	PROPN
easat-9618	216	42	management	management	PROPN
easat-9618	216	43	,	,	PUNCT
easat-9618	216	44	vol	vol	NOUN
easat-9618	216	45	.	.	PROPN
easat-9618	217	1	22	22	NUM
easat-9618	217	2	,	,	PUNCT
easat-9618	217	3	no	no	INTJ
easat-9618	217	4	.	.	NOUN
easat-9618	217	5	4	4	NUM
easat-9618	217	6	,	,	PUNCT
easat-9618	217	7	pp	pp	ADJ
easat-9618	217	8	.	.	PUNCT
easat-9618	218	1	824	824	NUM
easat-9618	218	2	-	-	SYM
easat-9618	218	3	849	849	NUM
easat-9618	218	4	,	,	PUNCT
easat-9618	218	5	2018	2018	NUM
easat-9618	218	6	.	.	PUNCT
easat-9618	219	1	https://doi.org/10.1108/jkm-10-2017-0448	https://doi.org/10.1108/jkm-10-2017-0448	X
easat-9618	220	1	[	[	X
easat-9618	220	2	28	28	NUM
easat-9618	220	3	]	]	X
easat-9618	220	4	k.	k.	PROPN
easat-9618	220	5	agbim	agbim	PROPN
easat-9618	220	6	,	,	PUNCT
easat-9618	220	7	"	"	PUNCT
easat-9618	220	8	effect	effect	NOUN
easat-9618	220	9	of	of	ADP
easat-9618	220	10	financial	financial	ADJ
easat-9618	220	11	literacy	literacy	NOUN
easat-9618	220	12	on	on	ADP
easat-9618	220	13	performance	performance	NOUN
easat-9618	220	14	of	of	ADP
easat-9618	220	15	smes	sme	NOUN
easat-9618	220	16	in	in	ADP
easat-9618	220	17	nigeria	nigeria	PROPN
easat-9618	220	18	,	,	PUNCT
easat-9618	220	19	"	"	PUNCT
easat-9618	220	20	international	international	ADJ
easat-9618	220	21	journal	journal	NOUN
easat-9618	220	22	of	of	ADP
easat-9618	220	23	research	research	NOUN
easat-9618	220	24	in	in	ADP
easat-9618	220	25	business	business	NOUN
easat-9618	220	26	studies	study	NOUN
easat-9618	220	27	and	and	CCONJ
easat-9618	220	28	management	management	NOUN
easat-9618	220	29	,	,	PUNCT
easat-9618	220	30	vol	vol	NOUN
easat-9618	220	31	.	.	PROPN
easat-9618	220	32	7	7	NUM
easat-9618	220	33	,	,	PUNCT
easat-9618	220	34	no	no	INTJ
easat-9618	220	35	.	.	NOUN
easat-9618	220	36	4	4	NUM
easat-9618	220	37	,	,	PUNCT
easat-9618	220	38	pp	pp	ADJ
easat-9618	220	39	.	.	PUNCT
easat-9618	220	40	22	22	NUM
easat-9618	220	41	-	-	SYM
easat-9618	220	42	30	30	NUM
easat-9618	220	43	,	,	PUNCT
easat-9618	220	44	2020	2020	NUM
easat-9618	220	45	.	.	PUNCT
easat-9618	221	1	[	[	X
easat-9618	221	2	29	29	NUM
easat-9618	221	3	]	]	X
easat-9618	221	4	j.	j.	PROPN
easat-9618	221	5	tuffour	tuffour	PROPN
easat-9618	221	6	,	,	PUNCT
easat-9618	221	7	g.	g.	PROPN
easat-9618	221	8	amoako	amoako	PROPN
easat-9618	221	9	,	,	PUNCT
easat-9618	221	10	and	and	CCONJ
easat-9618	221	11	m.	m.	PROPN
easat-9618	221	12	asiedu	asiedu	PROPN
easat-9618	221	13	,	,	PUNCT
easat-9618	221	14	"	"	PUNCT
easat-9618	221	15	financial	financial	ADJ
easat-9618	221	16	literacy	literacy	NOUN
easat-9618	221	17	,	,	PUNCT
easat-9618	221	18	saving	save	VERB
easat-9618	221	19	behavior	behavior	NOUN
easat-9618	221	20	and	and	CCONJ
easat-9618	221	21	performance	performance	NOUN
easat-9618	221	22	of	of	ADP
easat-9618	221	23	smes	sme	NOUN
easat-9618	221	24	in	in	ADP
easat-9618	221	25	ghana	ghana	PROPN
easat-9618	221	26	,	,	PUNCT
easat-9618	221	27	"	"	PUNCT
easat-9618	221	28	journal	journal	NOUN
easat-9618	221	29	of	of	ADP
easat-9618	221	30	african	african	ADJ
easat-9618	221	31	business	business	NOUN
easat-9618	221	32	,	,	PUNCT
easat-9618	221	33	vol	vol	NOUN
easat-9618	221	34	.	.	PROPN
easat-9618	221	35	23	23	NUM
easat-9618	221	36	,	,	PUNCT
easat-9618	221	37	no	no	INTJ
easat-9618	221	38	.	.	NOUN
easat-9618	221	39	2	2	NUM
easat-9618	221	40	,	,	PUNCT
easat-9618	221	41	pp	pp	ADJ
easat-9618	221	42	.	.	PUNCT
easat-9618	222	1	175–191	175–191	NUM
easat-9618	222	2	,	,	PUNCT
easat-9618	222	3	2022	2022	NUM
easat-9618	222	4	.	.	PUNCT
easat-9618	223	1	[	[	X
easat-9618	223	2	30	30	NUM
easat-9618	223	3	]	]	X
easat-9618	223	4	j.	j.	PROPN
easat-9618	223	5	unam	unam	PROPN
easat-9618	223	6	,	,	PUNCT
easat-9618	223	7	j.	j.	PROPN
easat-9618	223	8	nwaeze	nwaeze	PROPN
easat-9618	223	9	,	,	PUNCT
easat-9618	223	10	and	and	CCONJ
easat-9618	223	11	e.	e.	PROPN
easat-9618	223	12	okolo	okolo	PROPN
easat-9618	223	13	,	,	PUNCT
easat-9618	223	14	"	"	PUNCT
easat-9618	223	15	profitability	profitability	NOUN
easat-9618	223	16	measurement	measurement	NOUN
easat-9618	223	17	and	and	CCONJ
easat-9618	223	18	smes	sme	NOUN
easat-9618	223	19	performance	performance	NOUN
easat-9618	223	20	in	in	ADP
easat-9618	223	21	nigeria	nigeria	PROPN
easat-9618	223	22	,	,	PUNCT
easat-9618	223	23	"	"	PUNCT
easat-9618	223	24	international	international	ADJ
easat-9618	223	25	journal	journal	NOUN
easat-9618	223	26	of	of	ADP
easat-9618	223	27	business	business	NOUN
easat-9618	223	28	and	and	CCONJ
easat-9618	223	29	management	management	NOUN
easat-9618	223	30	,	,	PUNCT
easat-9618	223	31	vol	vol	NOUN
easat-9618	223	32	.	.	PROPN
easat-9618	223	33	6	6	NUM
easat-9618	223	34	,	,	PUNCT
easat-9618	223	35	no	no	INTJ
easat-9618	223	36	.	.	NOUN
easat-9618	223	37	2	2	NUM
easat-9618	223	38	,	,	PUNCT
easat-9618	223	39	pp	pp	ADJ
easat-9618	223	40	.	.	PUNCT
easat-9618	223	41	44–50	44–50	NUM
easat-9618	223	42	,	,	PUNCT
easat-9618	223	43	2015	2015	NUM
easat-9618	223	44	.	.	PUNCT
easat-9618	224	1	[	[	X
easat-9618	224	2	31	31	NUM
easat-9618	224	3	]	]	X
easat-9618	224	4	d.	d.	PROPN
easat-9618	224	5	kelley	kelley	PROPN
easat-9618	224	6	and	and	CCONJ
easat-9618	224	7	r.	r.	PROPN
easat-9618	224	8	nakosteen	nakosteen	PROPN
easat-9618	224	9	,	,	PUNCT
easat-9618	224	10	"	"	PUNCT
easat-9618	224	11	patterns	pattern	NOUN
easat-9618	224	12	of	of	ADP
easat-9618	224	13	business	business	NOUN
easat-9618	224	14	performance	performance	NOUN
easat-9618	224	15	among	among	ADP
easat-9618	224	16	women	woman	NOUN
easat-9618	224	17	entrepreneurs	entrepreneur	NOUN
easat-9618	224	18	,	,	PUNCT
easat-9618	224	19	"	"	PUNCT
easat-9618	224	20	international	international	ADJ
easat-9618	224	21	journal	journal	NOUN
easat-9618	224	22	of	of	ADP
easat-9618	224	23	entrepreneurship	entrepreneurship	NOUN
easat-9618	224	24	,	,	PUNCT
easat-9618	224	25	vol	vol	NOUN
easat-9618	224	26	.	.	NOUN
easat-9618	224	27	9	9	NUM
easat-9618	224	28	,	,	PUNCT
easat-9618	224	29	pp	pp	ADJ
easat-9618	224	30	.	.	PUNCT
easat-9618	224	31	23–40	23–40	NUM
easat-9618	224	32	,	,	PUNCT
easat-9618	224	33	2005	2005	NUM
easat-9618	224	34	.	.	PUNCT
easat-9618	225	1	[	[	X
easat-9618	225	2	32	32	NUM
easat-9618	225	3	]	]	PUNCT
easat-9618	225	4	j.	j.	PROPN
easat-9618	225	5	f.	f.	PROPN
easat-9618	225	6	hair	hair	PROPN
easat-9618	225	7	,	,	PUNCT
easat-9618	225	8	w.	w.	PROPN
easat-9618	225	9	c.	c.	PROPN
easat-9618	225	10	black	black	PROPN
easat-9618	225	11	,	,	PUNCT
easat-9618	225	12	b.	b.	PROPN
easat-9618	225	13	j.	j.	PROPN
easat-9618	225	14	babin	babin	PROPN
easat-9618	225	15	,	,	PUNCT
easat-9618	225	16	and	and	CCONJ
easat-9618	225	17	r.	r.	PROPN
easat-9618	225	18	e.	e.	PROPN
easat-9618	225	19	anderson	anderson	PROPN
easat-9618	225	20	,	,	PUNCT
easat-9618	225	21	multivariate	multivariate	VERB
easat-9618	225	22	data	datum	NOUN
easat-9618	225	23	analysis	analysis	NOUN
easat-9618	225	24	,	,	PUNCT
easat-9618	225	25	8th	8th	ADJ
easat-9618	225	26	ed	ed	NOUN
easat-9618	225	27	.	.	PUNCT
easat-9618	226	1	boston	boston	PROPN
easat-9618	226	2	,	,	PUNCT
easat-9618	226	3	ma	ma	PROPN
easat-9618	226	4	:	:	PUNCT
easat-9618	226	5	cengage	cengage	PROPN
easat-9618	226	6	learning	learning	PROPN
easat-9618	226	7	,	,	PUNCT
easat-9618	226	8	2020	2020	NUM
easat-9618	226	9	.	.	PUNCT
easat-9618	227	1	[	[	X
easat-9618	227	2	33	33	NUM
easat-9618	227	3	]	]	PUNCT
easat-9618	227	4	k.	k.	PROPN
easat-9618	227	5	j.	j.	PROPN
easat-9618	227	6	preacher	preacher	PROPN
easat-9618	227	7	and	and	CCONJ
easat-9618	227	8	k.	k.	PROPN
easat-9618	227	9	kelley	kelley	PROPN
easat-9618	227	10	,	,	PUNCT
easat-9618	227	11	"	"	PUNCT
easat-9618	227	12	effect	effect	NOUN
easat-9618	227	13	size	size	NOUN
easat-9618	227	14	measures	measure	NOUN
easat-9618	227	15	for	for	ADP
easat-9618	227	16	mediation	mediation	NOUN
easat-9618	227	17	models	model	NOUN
easat-9618	227	18	:	:	PUNCT
easat-9618	227	19	quantitative	quantitative	ADJ
easat-9618	227	20	strategies	strategy	NOUN
easat-9618	227	21	for	for	ADP
easat-9618	227	22	communicating	communicate	VERB
easat-9618	227	23	indirect	indirect	ADJ
easat-9618	227	24	effects	effect	NOUN
easat-9618	227	25	,	,	PUNCT
easat-9618	227	26	"	"	PUNCT
easat-9618	227	27	psychological	psychological	ADJ
easat-9618	227	28	methods	method	NOUN
easat-9618	227	29	,	,	PUNCT
easat-9618	227	30	vol	vol	NOUN
easat-9618	227	31	.	.	PROPN
easat-9618	227	32	16	16	NUM
easat-9618	227	33	,	,	PUNCT
easat-9618	227	34	no	no	INTJ
easat-9618	227	35	.	.	NOUN
easat-9618	227	36	2	2	NUM
easat-9618	227	37	,	,	PUNCT
easat-9618	227	38	pp	pp	ADJ
easat-9618	227	39	.	.	PUNCT
easat-9618	228	1	93–115	93–115	PROPN
easat-9618	228	2	,	,	PUNCT
easat-9618	228	3	2011	2011	NUM
easat-9618	228	4	.	.	PUNCT
easat-9618	229	1	https://doi.org/10.1037/a0022658	https://doi.org/10.1037/a0022658	NUM
easat-9618	229	2	[	[	X
easat-9618	229	3	34	34	NUM
easat-9618	229	4	]	]	PUNCT
easat-9618	229	5	x.	x.	NOUN
easat-9618	229	6	zhao	zhao	PROPN
easat-9618	229	7	,	,	PUNCT
easat-9618	229	8	j.	j.	PROPN
easat-9618	229	9	g.	g.	PROPN
easat-9618	229	10	lynch	lynch	PROPN
easat-9618	229	11	,	,	PUNCT
easat-9618	229	12	jr	jr	PROPN
easat-9618	229	13	.	.	PROPN
easat-9618	229	14	,	,	PUNCT
easat-9618	229	15	and	and	CCONJ
easat-9618	229	16	q.	q.	PROPN
easat-9618	229	17	chen	chen	PROPN
easat-9618	229	18	,	,	PUNCT
easat-9618	229	19	"	"	PUNCT
easat-9618	229	20	reconsidering	reconsider	VERB
easat-9618	229	21	baron	baron	NOUN
easat-9618	229	22	and	and	CCONJ
easat-9618	229	23	kenny	kenny	PROPN
easat-9618	229	24	:	:	PUNCT
easat-9618	229	25	myths	myth	NOUN
easat-9618	229	26	and	and	CCONJ
easat-9618	229	27	truths	truth	NOUN
easat-9618	229	28	about	about	ADP
easat-9618	229	29	mediation	mediation	NOUN
easat-9618	229	30	analysis	analysis	NOUN
easat-9618	229	31	,	,	PUNCT
easat-9618	229	32	"	"	PUNCT
easat-9618	229	33	journal	journal	NOUN
easat-9618	229	34	of	of	ADP
easat-9618	229	35	consumer	consumer	NOUN
easat-9618	229	36	research	research	NOUN
easat-9618	229	37	,	,	PUNCT
easat-9618	229	38	vol	vol	NOUN
easat-9618	229	39	.	.	PROPN
easat-9618	229	40	37	37	NUM
easat-9618	229	41	,	,	PUNCT
easat-9618	229	42	no	no	INTJ
easat-9618	229	43	.	.	NOUN
easat-9618	229	44	2	2	NUM
easat-9618	229	45	,	,	PUNCT
easat-9618	229	46	pp	pp	ADJ
easat-9618	229	47	.	.	PUNCT
easat-9618	229	48	197	197	NUM
easat-9618	229	49	-	-	SYM
easat-9618	229	50	206	206	NUM
easat-9618	229	51	,	,	PUNCT
easat-9618	229	52	2010	2010	NUM
easat-9618	229	53	.	.	PUNCT
easat-9618	230	1	https://doi.org/10.1086/651257	https://doi.org/10.1086/651257	NOUN
easat-9618	231	1	[	[	X
easat-9618	231	2	35	35	NUM
easat-9618	231	3	]	]	X
easat-9618	231	4	r.	r.	PROPN
easat-9618	231	5	baron	baron	PROPN
easat-9618	231	6	and	and	CCONJ
easat-9618	231	7	d.	d.	PROPN
easat-9618	231	8	kenny	kenny	PROPN
easat-9618	231	9	,	,	PUNCT
easat-9618	231	10	"	"	PUNCT
easat-9618	231	11	the	the	DET
easat-9618	231	12	moderator	moderator	NOUN
easat-9618	231	13	–	–	PUNCT
easat-9618	231	14	mediator	mediator	NOUN
easat-9618	231	15	variable	variable	ADJ
easat-9618	231	16	distinction	distinction	NOUN
easat-9618	231	17	in	in	ADP
easat-9618	231	18	social	social	ADJ
easat-9618	231	19	psychological	psychological	ADJ
easat-9618	231	20	research	research	NOUN
easat-9618	231	21	,	,	PUNCT
easat-9618	231	22	"	"	PUNCT
easat-9618	231	23	journal	journal	NOUN
easat-9618	231	24	of	of	ADP
easat-9618	231	25	personality	personality	NOUN
easat-9618	231	26	and	and	CCONJ
easat-9618	231	27	social	social	ADJ
easat-9618	231	28	psychology	psychology	NOUN
easat-9618	231	29	,	,	PUNCT
easat-9618	231	30	vol	vol	NOUN
easat-9618	231	31	.	.	PROPN
easat-9618	232	1	51	51	NUM
easat-9618	232	2	,	,	PUNCT
easat-9618	232	3	no	no	INTJ
easat-9618	232	4	.	.	NOUN
easat-9618	232	5	6	6	NUM
easat-9618	232	6	,	,	PUNCT
easat-9618	232	7	pp	pp	ADJ
easat-9618	232	8	.	.	PUNCT
easat-9618	233	1	1173–1182	1173–1182	NUM
easat-9618	233	2	,	,	PUNCT
easat-9618	233	3	1986	1986	NUM
easat-9618	233	4	.	.	PUNCT
easat-9618	234	1	[	[	X
easat-9618	234	2	36	36	NUM
easat-9618	234	3	]	]	X
easat-9618	234	4	j.	j.	PROPN
easat-9618	234	5	xiao	xiao	PROPN
easat-9618	234	6	,	,	PUNCT
easat-9618	234	7	applying	apply	VERB
easat-9618	234	8	behavior	behavior	NOUN
easat-9618	234	9	theories	theory	NOUN
easat-9618	234	10	to	to	ADP
easat-9618	234	11	financial	financial	ADJ
easat-9618	234	12	behavior	behavior	NOUN
easat-9618	234	13	.	.	PUNCT
easat-9618	235	1	in	in	ADP
easat-9618	235	2	:	:	PUNCT
easat-9618	235	3	xiao	xiao	PROPN
easat-9618	235	4	jj	jj	PROPN
easat-9618	235	5	,	,	PUNCT
easat-9618	235	6	editor	editor	NOUN
easat-9618	235	7	.	.	PUNCT
easat-9618	236	1	handbook	handbook	NOUN
easat-9618	236	2	of	of	ADP
easat-9618	236	3	consumer	consumer	NOUN
easat-9618	236	4	finance	finance	NOUN
easat-9618	236	5	research	research	NOUN
easat-9618	236	6	.	.	PUNCT
easat-9618	237	1	new	new	PROPN
easat-9618	237	2	york	york	PROPN
easat-9618	237	3	:	:	PUNCT
easat-9618	237	4	springer	springer	NOUN
easat-9618	237	5	,	,	PUNCT
easat-9618	237	6	2008	2008	NUM
easat-9618	237	7	.	.	PUNCT
easat-9618	238	1	[	[	X
easat-9618	238	2	37	37	NUM
easat-9618	238	3	]	]	PUNCT
easat-9618	238	4	m.	m.	NOUN
easat-9618	238	5	a.	a.	PROPN
easat-9618	238	6	hilgert	hilgert	PROPN
easat-9618	238	7	,	,	PUNCT
easat-9618	238	8	j.	j.	PROPN
easat-9618	238	9	m.	m.	PROPN
easat-9618	238	10	hogarth	hogarth	PROPN
easat-9618	238	11	,	,	PUNCT
easat-9618	238	12	and	and	CCONJ
easat-9618	238	13	s.	s.	PROPN
easat-9618	238	14	g.	g.	PROPN
easat-9618	238	15	beverly	beverly	PROPN
easat-9618	238	16	,	,	PUNCT
easat-9618	238	17	"	"	PUNCT
easat-9618	238	18	household	household	NOUN
easat-9618	238	19	financial	financial	ADJ
easat-9618	238	20	management	management	NOUN
easat-9618	238	21	:	:	PUNCT
easat-9618	238	22	the	the	DET
easat-9618	238	23	connection	connection	NOUN
easat-9618	238	24	between	between	ADP
easat-9618	238	25	knowledge	knowledge	NOUN
easat-9618	238	26	and	and	CCONJ
easat-9618	238	27	behavior	behavior	NOUN
easat-9618	238	28	,	,	PUNCT
easat-9618	238	29	"	"	PUNCT
easat-9618	238	30	federal	federal	PROPN
easat-9618	238	31	reserve	reserve	PROPN
easat-9618	238	32	bulletin	bulletin	PROPN
easat-9618	238	33	,	,	PUNCT
easat-9618	238	34	vol	vol	NOUN
easat-9618	238	35	.	.	PROPN
easat-9618	238	36	89	89	NUM
easat-9618	238	37	,	,	PUNCT
easat-9618	238	38	p.	p.	NOUN
easat-9618	238	39	309	309	NUM
easat-9618	238	40	,	,	PUNCT
easat-9618	238	41	2003	2003	NUM
easat-9618	238	42	.	.	PUNCT
easat-9618	239	1	[	[	X
easat-9618	239	2	38	38	NUM
easat-9618	239	3	]	]	PUNCT
easat-9618	239	4	d.	d.	PROPN
easat-9618	239	5	deakins	deakins	PROPN
easat-9618	239	6	,	,	PUNCT
easat-9618	239	7	d.	d.	PROPN
easat-9618	239	8	logan	logan	PROPN
easat-9618	239	9	,	,	PUNCT
easat-9618	239	10	and	and	CCONJ
easat-9618	239	11	l.	l.	PROPN
easat-9618	239	12	steele	steele	PROPN
easat-9618	239	13	,	,	PUNCT
easat-9618	239	14	"	"	PUNCT
easat-9618	239	15	the	the	DET
easat-9618	239	16	financial	financial	ADJ
easat-9618	239	17	management	management	NOUN
easat-9618	239	18	of	of	ADP
easat-9618	239	19	the	the	DET
easat-9618	239	20	small	small	ADJ
easat-9618	239	21	enterprise	enterprise	NOUN
easat-9618	239	22	,	,	PUNCT
easat-9618	239	23	"	"	PUNCT
easat-9618	239	24	acca	acca	VERB
easat-9618	239	25	research	research	NOUN
easat-9618	239	26	report	report	NOUN
easat-9618	239	27	.	.	PUNCT
easat-9618	240	1	london	london	PROPN
easat-9618	240	2	:	:	PUNCT
easat-9618	240	3	certified	certify	VERB
easat-9618	240	4	accountants	accountant	NOUN
easat-9618	240	5	educational	educational	ADJ
easat-9618	240	6	trust	trust	PROPN
easat-9618	240	7	,	,	PUNCT
easat-9618	240	8	2001	2001	NUM
easat-9618	240	9	.	.	PUNCT
easat-9618	241	1	[	[	X
easat-9618	241	2	39	39	NUM
easat-9618	241	3	]	]	PUNCT
easat-9618	241	4	a.	a.	NOUN
easat-9618	241	5	lusardi	lusardi	PROPN
easat-9618	241	6	and	and	CCONJ
easat-9618	241	7	p.	p.	PROPN
easat-9618	241	8	tufano	tufano	PROPN
easat-9618	241	9	,	,	PUNCT
easat-9618	241	10	"	"	PUNCT
easat-9618	241	11	debt	debt	NOUN
easat-9618	241	12	literacy	literacy	NOUN
easat-9618	241	13	,	,	PUNCT
easat-9618	241	14	financial	financial	ADJ
easat-9618	241	15	experiences	experience	NOUN
easat-9618	241	16	,	,	PUNCT
easat-9618	241	17	and	and	CCONJ
easat-9618	241	18	overindebtedness	overindebtedness	NOUN
easat-9618	241	19	,	,	PUNCT
easat-9618	241	20	"	"	PUNCT
easat-9618	241	21	nber	nber	PROPN
easat-9618	241	22	working	working	PROPN
easat-9618	241	23	paper	paper	PROPN
easat-9618	241	24	no	no	INTJ
easat-9618	241	25	.	.	PROPN
easat-9618	241	26	14808	14808	NUM
easat-9618	241	27	,	,	PUNCT
easat-9618	241	28	2009	2009	NUM
easat-9618	241	29	.	.	PUNCT
easat-9618	242	1	[	[	X
easat-9618	242	2	40	40	NUM
easat-9618	242	3	]	]	PUNCT
easat-9618	242	4	l.	l.	PROPN
easat-9618	242	5	mandell	mandell	PROPN
easat-9618	242	6	,	,	PUNCT
easat-9618	242	7	financial	financial	ADJ
easat-9618	242	8	literacy	literacy	NOUN
easat-9618	242	9	of	of	ADP
easat-9618	242	10	high	high	ADJ
easat-9618	242	11	school	school	NOUN
easat-9618	242	12	students	student	NOUN
easat-9618	242	13	.	.	PUNCT
easat-9618	243	1	in	in	ADP
easat-9618	243	2	:	:	PUNCT
easat-9618	243	3	lusardi	lusardi	PROPN
easat-9618	243	4	a	a	PRON
easat-9618	243	5	,	,	PUNCT
easat-9618	243	6	editor	editor	NOUN
easat-9618	243	7	.	.	PUNCT
easat-9618	244	1	overcoming	overcome	VERB
easat-9618	244	2	the	the	DET
easat-9618	244	3	saving	saving	NOUN
easat-9618	244	4	slump	slump	NOUN
easat-9618	244	5	.	.	PUNCT
easat-9618	245	1	chicago	chicago	PROPN
easat-9618	245	2	,	,	PUNCT
easat-9618	245	3	il	il	PROPN
easat-9618	245	4	:	:	PUNCT
easat-9618	245	5	university	university	PROPN
easat-9618	245	6	of	of	ADP
easat-9618	245	7	chicago	chicago	PROPN
easat-9618	245	8	press	press	NOUN
easat-9618	245	9	,	,	PUNCT
easat-9618	245	10	2007	2007	NUM
easat-9618	245	11	.	.	PUNCT
easat-9618	246	1	[	[	X
easat-9618	246	2	41	41	NUM
easat-9618	246	3	]	]	PUNCT
easat-9618	246	4	k.	k.	PROPN
easat-9618	246	5	berman	berman	PROPN
easat-9618	246	6	and	and	CCONJ
easat-9618	246	7	j.	j.	PROPN
easat-9618	246	8	knight	knight	PROPN
easat-9618	246	9	,	,	PUNCT
easat-9618	246	10	financial	financial	ADJ
easat-9618	246	11	intelligence	intelligence	NOUN
easat-9618	246	12	for	for	ADP
easat-9618	246	13	entrepreneurs	entrepreneur	NOUN
easat-9618	246	14	.	.	PUNCT
easat-9618	247	1	boston	boston	PROPN
easat-9618	247	2	:	:	PUNCT
easat-9618	247	3	harvard	harvard	PROPN
easat-9618	247	4	business	business	PROPN
easat-9618	247	5	review	review	PROPN
easat-9618	247	6	press	press	NOUN
easat-9618	247	7	,	,	PUNCT
easat-9618	247	8	2008	2008	NUM
easat-9618	247	9	.	.	PUNCT
easat-9618	248	1	[	[	X
easat-9618	248	2	42	42	NUM
easat-9618	248	3	]	]	PUNCT
easat-9618	248	4	r.	r.	PROPN
easat-9618	248	5	s.	s.	PROPN
easat-9618	248	6	putri	putri	PROPN
easat-9618	248	7	,	,	PUNCT
easat-9618	248	8	n.	n.	PROPN
easat-9618	248	9	tubastuvi	tubastuvi	PROPN
easat-9618	248	10	,	,	PUNCT
easat-9618	248	11	i.	i.	PROPN
easat-9618	248	12	y.	y.	PROPN
easat-9618	248	13	rahmawati	rahmawati	PROPN
easat-9618	248	14	,	,	PUNCT
easat-9618	248	15	and	and	CCONJ
easat-9618	248	16	h.	h.	PROPN
easat-9618	248	17	endratno	endratno	PROPN
easat-9618	248	18	,	,	PUNCT
easat-9618	248	19	"	"	PUNCT
easat-9618	248	20	the	the	DET
easat-9618	248	21	effect	effect	NOUN
easat-9618	248	22	of	of	ADP
easat-9618	248	23	financial	financial	ADJ
easat-9618	248	24	literacy	literacy	NOUN
easat-9618	248	25	,	,	PUNCT
easat-9618	248	26	financial	financial	ADJ
easat-9618	248	27	knowledge	knowledge	NOUN
easat-9618	248	28	,	,	PUNCT
easat-9618	248	29	financial	financial	ADJ
easat-9618	248	30	attitudes	attitude	NOUN
easat-9618	248	31	and	and	CCONJ
easat-9618	248	32	personality	personality	NOUN
easat-9618	248	33	on	on	ADP
easat-9618	248	34	financial	financial	ADJ
easat-9618	248	35	management	management	NOUN
easat-9618	248	36	behavior	behavior	NOUN
easat-9618	248	37	in	in	ADP
easat-9618	248	38	msme	msme	NOUN
easat-9618	248	39	,	,	PUNCT
easat-9618	248	40	"	"	PUNCT
easat-9618	248	41	baskara	baskara	ADJ
easat-9618	248	42	:	:	PUNCT
easat-9618	248	43	journal	journal	NOUN
easat-9618	248	44	of	of	ADP
easat-9618	248	45	business	business	NOUN
easat-9618	248	46	and	and	CCONJ
easat-9618	248	47	entrepreneurship	entrepreneurship	NOUN
easat-9618	248	48	,	,	PUNCT
easat-9618	248	49	vol	vol	NOUN
easat-9618	248	50	.	.	PROPN
easat-9618	249	1	5	5	NUM
easat-9618	249	2	,	,	PUNCT
easat-9618	249	3	no	no	INTJ
easat-9618	249	4	.	.	NOUN
easat-9618	249	5	2	2	NUM
easat-9618	249	6	,	,	PUNCT
easat-9618	249	7	pp	pp	ADJ
easat-9618	249	8	.	.	PUNCT
easat-9618	250	1	136	136	NUM
easat-9618	250	2	-	-	SYM
easat-9618	250	3	151	151	NUM
easat-9618	250	4	,	,	PUNCT
easat-9618	250	5	2023	2023	NUM
easat-9618	250	6	.	.	PUNCT
easat-9618	251	1	https://doi.org/10.54268/baskara.v5i2.15292	https://doi.org/10.54268/baskara.v5i2.15292	NUM
easat-9618	251	2	[	[	X
easat-9618	251	3	43	43	NUM
easat-9618	251	4	]	]	X
easat-9618	251	5	v.	v.	CCONJ
easat-9618	251	6	saskia	saskia	PROPN
easat-9618	251	7	,	,	PUNCT
easat-9618	251	8	d.	d.	PROPN
easat-9618	251	9	kartika	kartika	PROPN
easat-9618	251	10	,	,	PUNCT
easat-9618	251	11	and	and	CCONJ
easat-9618	251	12	y.	y.	PROPN
easat-9618	251	13	permana	permana	PROPN
easat-9618	251	14	,	,	PUNCT
easat-9618	251	15	"	"	PUNCT
easat-9618	251	16	the	the	DET
easat-9618	251	17	role	role	NOUN
easat-9618	251	18	of	of	ADP
easat-9618	251	19	financial	financial	ADJ
easat-9618	251	20	behavior	behavior	NOUN
easat-9618	251	21	as	as	ADP
easat-9618	251	22	a	a	DET
easat-9618	251	23	mediator	mediator	NOUN
easat-9618	251	24	of	of	ADP
easat-9618	251	25	the	the	DET
easat-9618	251	26	relationship	relationship	NOUN
easat-9618	251	27	between	between	ADP
easat-9618	251	28	financial	financial	ADJ
easat-9618	251	29	literacy	literacy	NOUN
easat-9618	251	30	and	and	CCONJ
easat-9618	251	31	msme	msme	NOUN
easat-9618	251	32	performance	performance	NOUN
easat-9618	251	33	,	,	PUNCT
easat-9618	251	34	"	"	PUNCT
easat-9618	251	35	jurnal	jurnal	ADJ
easat-9618	251	36	manajemen	manajeman	NOUN
easat-9618	251	37	dan	dan	PROPN
easat-9618	251	38	kewirausahaan	kewirausahaan	PROPN
easat-9618	251	39	,	,	PUNCT
easat-9618	251	40	vol	vol	NOUN
easat-9618	251	41	.	.	PROPN
easat-9618	251	42	25	25	NUM
easat-9618	251	43	,	,	PUNCT
easat-9618	251	44	2	2	NUM
easat-9618	251	45	,	,	PUNCT
easat-9618	251	46	pp	pp	ADJ
easat-9618	251	47	.	.	PUNCT
easat-9618	252	1	135	135	NUM
easat-9618	252	2	-	-	SYM
easat-9618	252	3	147	147	NUM
easat-9618	252	4	,	,	PUNCT
easat-9618	252	5	2023	2023	NUM
easat-9618	252	6	.	.	PUNCT
easat-9618	253	1	https://doi.org/10.1016/0167-2681(80)90051-7	https://doi.org/10.1016/0167-2681(80)90051-7	NUM
easat-9618	253	2	https://doi.org/10.1016/j.worlddev.2014.10.004	https://doi.org/10.1016/j.worlddev.2014.10.004	NOUN
easat-9618	253	3	https://doi.org/10.1108/20440831111131523	https://doi.org/10.1108/20440831111131523	NOUN
easat-9618	253	4	https://doi.org/10.1108/jkm-10-2017-0448	https://doi.org/10.1108/jkm-10-2017-0448	PUNCT
easat-9618	253	5	https://doi.org/10.1037/a0022658	https://doi.org/10.1037/a0022658	PROPN
easat-9618	253	6	https://doi.org/10.1086/651257	https://doi.org/10.1086/651257	NOUN
easat-9618	253	7	https://doi.org/10.54268/baskara.v5i2.15292	https://doi.org/10.54268/baskara.v5i2.15292	NOUN