Thohary, Ruby, Muji Guarto, and Verawaty Verawaty. “Membangun Kinerja UMKM Melalui Inovasi Keuangan”. Jurnal Keuangan dan Bisnis 20, no. 2 (October 21, 2022): 1–17. Accessed September 19, 2024. http://103.165.236.247/index.php/jkb/article/view/568.