“The Effect of Financial Literacy on the Intention to Use Peer-to-Peer (P2P) Lending (Case Study of MSMEs Assisted by Rumah Berdaya Cilegon)”, TOFEDU, vol. 5, no. 1, pp. 1136–1142, Feb. 2026, doi: 10.61445/tofedu.v5i1.1665.