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DAMAYANTI RUSMANA, FENNY (2026) The Influence of Financial Literacy, Social Capital, Financial Inclusion, and Communication Skills on the Reach of Financial Institutions and Their Impact on the Effectiveness of Ultra Micro Financing (Case Study of MSMEs in Subang Regency. International Journal of Economics, Management and Accounting in Volume 4 Issue 1 (2026)., Volume (0189). (Unpublished)