[1]
“Pengaruh Akses Modal, Literasi Keuangan, Dan Financial Technology (Fintech) Terhadap Kinerja Keuangan Umkm Binaan Pnm Mekaar Cabang Lhoksukon”, JICN, vol. 2, no. 3, pp. 4363–4367, Jul. 2025, Accessed: Jul. 24, 2026. [Online]. Available: https://jicnusantara.com/index.php/jicn/article/view/4417