Tanuatmodjo, H. et al. 2026. The Moderating Role of Financial Literacy and Gender on The Effect of Overconfidence And Present Bias on MSME Financial Decision-Making In Bandung City, Indonesia. Jurnal Ekuisci. 3, 6 (Aug. 2026), 776–788. DOI:https://doi.org/10.62885/ekuisci.v3i6.1246.