Sahdan, R., and F. Sardju. “Financial Inclusion, Financial Literacy, and Financial Technology Impact on the Sustainability of Micro, Small, and Medium Enterprises: A Study in the SMEs of Tidore Islands, Indonesia”. International Journal of Economics Development Research (IJEDR), vol. 4, no. 3, Dec. 2023, pp. 1813-25, doi:10.37385/ijedr.v5i1.4014.