Cholid Mawardi, M. ., and A. . Kodir Djaelani. “Qualitative Study on the Effect of External Factors on Financial Literacy and Business Orientation Strategy Capability of SME Entrepreneurs in Indonesia”. Atestasi : Jurnal Ilmiah Akuntansi, vol. 6, no. 1, Mar. 2022, pp. 103-24, doi:10.57178/atestasi.v6i1.607.