Lusiana, Riri, Masyhuri Hamidi, and Rida Rahim. “Pengaruh Literasi Keuangan, Financial Technology Dan Inklusi Keuangan Terhadap Kinerja UMKM Di Kabupaten Padang Pariaman”. Journal of Accounting and Finance Management 6, no. 4 (September 19, 2025): 1908–1917. Accessed April 19, 2026. https://dinastires.org/JAFM/article/view/2418.