PUTRA, O. E.; RUSNENDAR, E.; AKBAR, F. M. IC-LEE Model: A Financial Inclusion Framework for Strengthening Coastal Tourism Economies Based on Local Wisdom. Journal of Management Studies and Development, [S. l.], v. 5, n. 02, p. 211–229, 2026. DOI: 10.56741/IISTR.jmsd.001548. Disponível em: https://journal.iistr.org/index.php/JMSD/article/view/1548. Acesso em: 7 oct. 2026.