Utami, Novia, and Ana Sriekaningsih. “The Influence of Soft Skills and Hard Skills on Financial Well-Being Among SME Owners in Indonesia”. Forum for University Scholars in Interdisciplinary Opportunities and Networking, vol. 1, no. 1, Jan. 2025, pp. 673-80, https://conference.ut.ac.id/index.php/fusion/article/view/4564.