Gultom, E.W. et al. 2026. Akses Digital dan Inklusi Keuangan: Peran Fintech Syariah bagi UMKM Indonesia. Indonesian Journal of Multidisciplinary on Social and Technology. 4, 3 (Oct. 2026), 10967–10974. DOI:https://doi.org/10.69693/ijmst.v4i3.14491.