“SYSTEMATIC LITERATURE REVIEW (SLR): DAMPAK FINANCIAL TECHNOLOGY (FINTECH) DAN LITERASI KEUANGAN TERHADAP KINERJA DAN INKLUSI KEUANGAN USAHA MIKRO, KECIL, MENENGAH (UMKM)”, Musytari, vol. 25, no. 1, pp. 1531–1540, Dec. 2025, Accessed: Oct. 02, 2026. [Online]. Available: https://cibjournal.com/index.php/musytari/article/view/3376