PENELITIAN PENGGUNAAN TEKNOLOGI, SIKAP KEUANGAN, AKSES TERHADAP LEMBAGA, LITERASI KEUANGAN, KEBERLANGSUNGAN UMKM, SEM-PLS, UMKM. Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi, [S. l.], v. 25, n. 1, p. 3281–3290, 2025. Disponível em: https://cibjournal.com/index.php/musytari/article/view/4005. Acesso em: 3 oct. 2026.