Pengaruh Akses Modal, Literasi Keuangan, Dan Financial Technology (Fintech) Terhadap Kinerja Keuangan Umkm Binaan Pnm Mekaar Cabang Lhoksukon. JICN [Internet]. 2025 Jul. 25 [cited 2026 Jul. 25];2(3):4363-7. Available from: https://jicnusantara.com/index.php/jicn/article/view/4417