Financial Management Literacy and Costing Practices: Evidence from Micro-Entrepreneurs in Kelantan. Journal of STEM and Education, [S. l.], v. 6, n. 2, p. 114–122, 2026. Disponível em: https://journalstem.net/ojs/index.php/pkb/article/view/159.. Acesso em: 9 nov. 2026.