H. Tanuatmodjo, A. Kurniawan, B. Muntashofi, L. Purnamasari, I. Purnamasari, and P. Yanti, “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”, Ekuisci, vol. 3, no. 6, pp. 776–788, Aug. 2026.