“PENELITIAN PENGGUNAAN TEKNOLOGI, SIKAP KEUANGAN, AKSES TERHADAP LEMBAGA, LITERASI KEUANGAN, KEBERLANGSUNGAN UMKM, SEM-PLS, UMKM”, Musytari, vol. 25, no. 1, pp. 3281–3290, Dec. 2025, Accessed: Oct. 03, 2026. [Online]. Available: https://cibjournal.com/index.php/musytari/article/view/4005