MERDEKAWATI, E. Optimalisasi Kinerja Keuangan 88 UMKM melalui Fintech dan E-Commerce: Studi Peran Literasi Keuangan dan Struktur Modal di Kota Makassar. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 4, n. 3, p. 4043–4050, 2025. DOI: 10.31004/riggs.v4i3.2508. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/2508. Acesso em: 8 may. 2026.