SHORT-TERM FINANCIAL PLANNING AND SIMPLE INVESTMENT EDUCATION FOR THE WELFARE OF MSME OWNERS IN SURABAYA. Pedagogic Research-Applied Literacy Journal , [S. l.], v. 1, n. 4, p. 257–264, 2024. DOI: 10.70574/tgs22g73. Disponível em: https://paraplu.sapublisher.com/index.php/paraplu/article/view/118.. Acesso em: 18 apr. 2026.