Influence of Access to Finance, Human Resource Competence, Information Systems on the Performance of Small and Medium-Sized Enterprises with Organizational Culture as Study Moderating Variable Journal title: Oblik i finansi Authors: Dini Wahyuni & Lukluk Fuadah & Syamsurijal Kadir Subject(s): Economics, Banks and Banking, Finance and Financial Services, Marketing, Accounting, Management, Business, Finance