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 1, no. 1 (January 30, 2025): 673–680. Accessed May 9, 2025. https://conference.ut.ac.id/index.php/fusion/article/view/4564.