Rosyida, I., Shoimah, S., Welly, Y., & Sianipar, M. (2026). Mengukur Kinerja Keuangan UMKM: Peran Human Capital, Literasi Keuangan, dan Adopsi Fintech. Journal of Business and Economics Research (JBE), 7(2), 268-275. https://doi.org/10.47065/jbe.v7i2.9470