Firdaus CB. Building financially sustainable MSMEs: Sequenced capability bundles that cut APR, lift liquidity, and truncate downside risk. CCDJ [Internet]. 2024 Dec. 30 [cited 2026 Feb. 4];4(2):18-26. Available from: https://www.journal.privietlab.org/index.php/CCDJ/article/view/810