Lubis, Era, and Nurhayati Nurhayati. “Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Kinerja Keuangan UMKM”. Journal of Business and Economics Research (JBE) 5, no. 2 (June 29, 2024): 178-187. Accessed April 25, 2026. https://ejurnal.seminar-id.com/index.php/jbe/article/view/5259.