PENGARUH LITERASI KEUANGAN, DIGITAL PAYMENT DAN KEMAMPUAN MENYUSUN LAPORAN KEUANGAN TERHADAP KINERJA UMKM . JURNAL FAIRNESS, [S. l.], v. 14, n. 1, p. 1–14, 2024. DOI: 10.33369/fairness.v14i1.33329. Disponível em: https://ejournal.unib.ac.id/fairness/article/view/33329. Acesso em: 1 jul. 2025.