The Effect of Regulation, Financial Inclusion, Financial Technology on Financial Behavior, Financial Risk, and Financial Resilience Using Good Financial Governance as a Moderator in Micro, Small, and Medium Enterprises (MSMEs) in Gedeg District, Mojokerto Regency. (2025). Journal of Economics, Management, and Accounting, 1(2), 282-298. https://doi.org/10.65310/1e5c8902