MARDAH, S.; HARNIDA, M.; SANTI, A.; FATHURROHMAN, F.; PRATIWI.A, N. Assessing the Impact of Competency and Intellectual Capital on MSMEs’ Performance: Insights from Banjarmasin City. International Journal of Science, Technology & Management, v. 6, n. 3, p. 430-435, 21 May 2025.