“PENGARUH PENERAPAN FINTECH, JARINGAN ALUMNI, DAN INOVASI HARGA DINAMIS TERHADAP EFISIENSI OPERASIONAL UMKM DI SEKTOR E-COMMERCE”, Musytari, vol. 25, no. 2, pp. 2571–2580, Jan. 2026, Accessed: Oct. 03, 2026. [Online]. Available: https://cibjournal.com/index.php/musytari/article/view/6527