Pengaruh Akses Modal, Literasi Keuangan, Dan Financial Technology (Fintech) Terhadap Kinerja Keuangan Umkm Binaan Pnm Mekaar Cabang Lhoksukon. Jurnal Intelek Dan Cendikiawan Nusantara, [S. l.], v. 2, n. 3, p. 4363–4367, 2025. Disponível em: https://jicnusantara.com/index.php/jicn/article/view/4417. Acesso em: 25 jul. 2026.