Rumtutuly, Hansen Hein, and Martha Racwel Patty. “Financial Inclusion, Literacy, and SME Resilience: Emotional Well-Being Mediation”. ARBITRASE: Journal of Economics and Accounting 7, no. 1 (July 8, 2026): 152-165. Accessed October 18, 2026. http://www.djournals.com/arbitrase/article/view/3188.