Sofiandari AR, Dewi RR, Rois DIN. Pengaruh Literasi Keuangan, Digital Payment, Dan Inklusi Keuangan Terhadap Kinerja Keuangan UMKM. JBM [Internet]. 2026 Jul. 31 [cited 2026 Aug. 8];4(1):2377-8. Available from: https://jibema.murisedu.id/index.php/JIBEMA/article/view/684