Arindea, Najmah Shafiatha, and Indah Kurniawati. “Pengaruh Literasi Keuangan, Inovasi Dan Fintech Terhadap Kinerja UMKM: Perspektif Financial Empowerment”. Owner : Riset dan Jurnal Akuntansi 10, no. 4 (October 1, 2026): 3409-3423. Accessed October 2, 2026. https://owner.polgan.ac.id/index.php/owner/article/view/3565.