Hanafi, M. A.; Ngatiningrum, S. .; Arnesia, A. .; Hasanah, I. N. .; Nofryanti, N. The Separation of Personal and Business Finances: Accounting Implications for Financial Stability and Transparency in MSMEs in Cipayung District, Depok City. TOFEDU 2026, 5, 1693-1706.