GULTOM, Erni Wahyuni; LUBIS, Sari Purnama Zein; NASUTION, Muhammad Fauzan. Akses Digital dan Inklusi Keuangan: Peran Fintech Syariah bagi UMKM Indonesia. Indonesian Journal of Multidisciplinary on Social and Technology, [S. l.], v. 4, n. 3, p. 10967–10974, 2026. DOI: 10.69693/ijmst.v4i3.14491. Disponível em: https://journal.ilmudata.co.id/index.php/ijmst/article/view/14491. Acesso em: 28 oct. 2026.