Maulida, M. et al. 2025. PENGARUH SIKAP KEUANGAN, FINANCIAL TECHNOLOGY, DAN E- COMMERCE TERHADAP KINERJA UMKM. Jurnal Kompetitif Bisnis. 3, 4 (Dec. 2025), 462–476. DOI:https://doi.org/10.0120/jkb.v3i4.406.