ARDA RADITYA TANTRA; BAMBANG AHMAD INDARTO; FITRI DWI JAYANTI. Financial Planning for MSMEs: Improving Cash Flow Management and Saving Behavior Among Cafe Owners in Salatiga City. International Journal of Community Empowerment, [S. l.], v. 1, n. 1, p. 28–34, 2026. Disponível em: https://callforpaper.unw.ac.id/index.php/IJCE/article/view/1891. Acesso em: 13 jul. 2026.