Lusiana, R. et al. 2025. Pengaruh Literasi Keuangan, Financial Technology dan Inklusi Keuangan terhadap Kinerja UMKM di Kabupaten Padang Pariaman. Journal of Accounting and Finance Management. 6, 4 (Sep. 2025), 1908–1917. DOI:https://doi.org/10.38035/jafm.v6i4.2418.