Mardah S, Harnida M, Santi A, Fathurrohman F, Pratiwi.A N. Assessing the Impact of Competency and Intellectual Capital on MSMEs’ Performance: Insights from Banjarmasin City. IJSTM [Internet]. 2025 May 21 [cited 2026 Feb. 12];6(3):430-5. Available from: https://ijstm.inarah.co.id/index.php/ijstm/article/view/1311