Mulyatini, N., Villanueva, M. M., Herlina, E., Rahman, M. Z., & Kartika, R. (2026). ENHANCING COMPETITIVENESS THROUGH CREATIVITY AND CULTURAL HERITAGE: A COMPARATIVE STUDY OF MICRO- AND SMALL-SCALE HANDICRAFT ENTERPRISES IN SOUTHEAST ASIA. Multifinance, 3(3), 151–158. https://doi.org/10.61397/mfc.v3i3.524