SUMASTUTI, Efriyani Sumastuti. Enhancing SME Business Savings through HR Practices and Financial Literacy. Ilomata International Journal of Management, [S. l.], v. 5, n. 3, p. 776–793, 2024. DOI: 10.61194/ijjm.v5i3.1198. Disponível em: https://www.ilomata.org/index.php/ijjm/article/view/1198. Acesso em: 11 feb. 2026.