Khatik, Nur, and R. Ery Wibowo Agung. “The Influence of Financial Institutions, Government and Digital Technology in the MSME”. Management Studies and Entrepreneurship Journal (MSEJ) 5, no. 1 (November 20, 2024): 559–566. Accessed July 5, 2025. https://journal.yrpipku.com/index.php/msej/article/view/4077.