THE ROLE OF FINANCIAL LITERACY AND ACCESS TO FINANCE IN DRIVING MSME GROWTH IN THE DIGITAL ERA. Management Studies and Business Journal (PRODUCTIVITY), [S. l.], v. 2, n. 2, p. 2076–2094, 2025. DOI: 10.62207/5aw81b35. Disponível em: https://journal.ppipbr.com/index.php/productivity/article/view/559.. Acesso em: 17 jan. 2026.