Andini, Ayu, Andri Soemitra, and Budi Dharma. 2024. “The Influence of Financial Inclusion, Financial Planning, and Financial Attitudes on the Financial Management of Culinary MSME Owners Lubuk Pakam”. Ilomata International Journal of Management 5 (3), 763-75. https://doi.org/10.61194/ijjm.v5i3.1211.