Abdulwahab, M. H., & Al-Damen, R. A. (2015). The impact of entrepreneurs’ characteristics on small business success at medical instruments supplies organizations in Jordan. International Journal of Business and Social Science, 6(8), 164–175. https://platform.almanhal.com/Files/4/79203

Abood, N., Aboyasin, N. A., & Iqbal Ajloni, M. (2014). Impact of the Entrepreneurial Attributes on Business Performance in a Sample of Jordanian Institutions. In International Journal of Professional Management (Vol. 9, Issue 1). www.ipmajournal.comwww.ipmajournal.com

Adomako, S., Danso, A., & Biography Samuel Adomako, A. (2014). International Journal of Management & Organizational Studies Copyrights 2014, Society of Management and Human Resource Development Financial Literacy and Firm performance: The moderating role of financial capital availability and resource flexibility. 3(4).

Allgood, S., & Walstad, W. B. (2013). How Economists Allocate Time to Teaching and Research. 103(3), 654–658. https://doi.org/10.1257/aer

Arasti, Z., Zandi, F., & Bahmani, N. (2014). Business failure factors in Iranian SMEs: Do successful and unsuccessful entrepreneurs have different viewpoints? Journal of Global Entrepreneurship Research, 4(1). https://doi.org/10.1186/s40497-014-0010-7

Aribawa, D. (2016). International Journal of Economics and Financial Issues E-commerce Strategic Business Environment Analysis in Indonesia. International Journal of Economics and Financial Issues |, 6(S6), 130–134. http:www.econjournals.com

Bernheim, B. D., Garrett, D. M., & Maki, D. M. (2001). Education and saving:: The long-term effects of high school financial curriculum mandates. Journal of Public Economics, 80(3), 435–465.

Cai, C. W. (2020). Nudging the financial market? A review of the nudge theory. Accounting & Finance, 60(4), 3341–3365.

Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128.

Chen, H., & Volpe, R. P. (2002). Gender differences in personal financial literacy among college students. Financial Services Review, 11(3), 289–307.

Dahmen, P., & Rodríguez, E. (2014). Financial Literacy and the Success of Small Businesses: An Observation from a Small Business Development Center. Numeracy,

(1). https://doi.org/10.5038/1936-4660.7.1.3

Davis, J. A., Marino, L. D., & Vecchiarini, M. (2013). Exploring the relationship between nursing home financial performance and management entrepreneurial attributes. In

Leading in Health Care Organizations: Improving Safety, Satisfaction and Financial Performance (Vol. 14, pp. 147–165). Emerald Group Publishing Limited. https://doi.org/10.1108/S1474-8231(2013)00000140011

Engel, Y., Ramesh, A., & Steiner, N. (2020). Powered by compassion: The effect of loving- kindness meditation on entrepreneurs’ sustainable decision-making. Journal of Business Venturing, 35(6). https://doi.org/10.1016/j.jbusvent.2019.105986

Fox, J., & Bartholomae, S. (1999). Student learning style and educational outcomes: evidence from a family financial management course. Financial Services Review, 8(4), 235–251. https://doi.org/https://doi.org/10.1016/S1057-0810(00)00042-1

Garman, E. T., & Forgue, R. (2014). Personal finance. Cengage Learning. https://books.google.co.id/books?hl=en&lr=&id=dSd0AwAAQBAJ&oi=fnd&pg=PR3&dq

=Personal+finance.+Lexington&ots=5hnwzfl7pZ&sig=oyaR3Tj3XaoBWzTc0fADkG6eC Ak&redir_esc=y#v=onepage&q=Personal%20finance.%20Lexington&f=false

Grable, J. E., Archuleta, K. L., Ford, M. R., Kruger, M., Gale, J., & Goetz, J. (2020). The moderating effect of generalized anxiety and financial knowledge on financial management behavior. Contemporary Family Therapy, 42(1), 15–24.

Hastings, J., & Mitchell, O. S. (2020). How financial literacy and impatience shape retirement wealth and investment behaviors. Journal of Pension Economics & Finance, 19(1), 1–

Hastings & Mitchell (2020) emphasized that one of the most important things in financial management

Hastings, J. S., Madrian, B. C., & Skimmyhorn, W. L. (2013). Financial Literacy, Financial Education, and Economic Outcomes. Annual Review of Economics, 5(1), 347–373. https://doi.org/10.1146/annurev-economics-082312-125807

Hüsser, A. (2015). The role of investors’ objective financial knowledge on the assessment of risk disclosures in mutual fund advertisements. Journal of Financial Services Marketing, 20(1), 5–22. https://doi.org/10.1057/fsm.2015.2

Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296– 316.

Ionescu, G. H., Firoiu, D., Pîrvu, R., Enescu, M., Rădoi, M. I., & Cojocaru, T. M. (2020). The potential for innovation and entrepreneurship in EU countries in the context of sustainable development. Sustainability (Switzerland), 12(18), 1–18. https://doi.org/10.3390/su12187250

Isaga, N. (2017). The relationship of personality to cognitive characteristics and SME performance in Tanzania. Journal of Small Business and Enterprise Development.

Kebede, M., & Kuar, J. (2015). Financial Literacy and Management of Personal Finance: A Review of Recent Literatures. In Research Journal of Finance and Accounting www.iiste.org ISSN (Vol. 6, Issue 13). Online. www.iiste.org

Lind, T., Ahmed, A., Skagerlund, K., Strömbäck, C., Västfjäll, D., & Tinghög, G. (2020). Competence, confidence, and gender: The role of objective and subjective financial knowledge in household finance. Journal of Family and Economic Issues, 41(4), 626– 638.

Lusardi, A., & Mitchelli, O. S. (2007). Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education. Business Economics, 42(1), 35–44. https://doi.org/10.2145/20070104

McCormick, M. H. (2009). The effectiveness of youth financial education: A review of the literature. Journal of Financial Counseling and Planning, 20(1).

Mothibi, G. (2015). The Effects Of Entrepreneurial And Firm Characteristics On Performance Of Small And Medium Enterprises In Pretoria. In International Journal of Economics, Commerce and Management United Kingdom: Vol. III. http://ijecm.co.uk/

Mountain, T. P., Kim, N., Serido, J., & Shim, S. (2021). Does Type of Financial Learning Matter for Young Adults’ Objective Financial Knowledge and Financial Behaviors? A Longitudinal and Mediation Analysis. Journal of Family and Economic Issues, 42(1), 113–132. https://doi.org/10.1007/s10834-020-09689-6

Panos, G. A., & Wilson, J. O. S. (2020). Financial literacy and responsible finance in the FinTech era: capabilities and challenges. In European Journal of Finance (Vol. 26, Issues 4–5, pp. 297–301). Routledge. https://doi.org/10.1080/1351847X.2020.1717569

Plakalović, N. (2015). Financial literacy of SMEs managers. Management, Knowledge and Learning Joint International Conference.

Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295.

Sari, N. M. W., Suwarsinah, H. K., & Baga, L. M. (2016). Pengaruh Karakteristik Kewirausahaan terhadap Kinerja Usaha Mikro, Kecil dan Menengah(UMKM) Gula Aren di Kabupaten Lombok Barat. Jurnal Penyuluhan, 12(1). https://doi.org/10.25015/penyuluhan.v12i1.11320

Singh, S., Pathak, R. D., Shee, H., Kazmi, A., & Parker, D. (2013). Interplay between entrepreneurial characteristics, organisational structure, corporate culture and SME performance: Empirical results from Fiji Islands. International Journal of Entrepreneurship and Small Business, 18(2), 229–246. https://doi.org/10.1504/IJESB.2013.052076

Wagner, J. F. (2015). An analysis of the effects of financial education on financial An analysis of the effects of financial education on financial literacy and financial behaviors literacy and financial behaviors. https://unomaha.az1.qualtrics.com/jfe/form/