Monica, Nasa, and Ruzikna Ruzikna. “Pengaruh Literasi Keuangan Dan Penggunaan Financial Technology Terhadap Kinerja Keuangan Umkm Sektor Kuliner Di Kecamatan Sail, Kota Pekanbaru”. Management Studies and Entrepreneurship Journal (MSEJ) 5, no. 1 (November 20, 2024): 4159–4176. Accessed February 22, 2026. https://journal.yrpipku.com/index.php/msej/article/view/4655.