Maulida, M., Damayanti and Wardianto, K. B. (2025) “PENGARUH SIKAP KEUANGAN, FINANCIAL TECHNOLOGY, DAN E- COMMERCE TERHADAP KINERJA UMKM”, Jurnal Kompetitif Bisnis, 3(4), pp. 462–476. doi: 10.0120/jkb.v3i4.406.