PANDAK, A.; NUGROHO, D. S. Pengaruh Financial Technology Dan Kemampuan Manajerial Terhadap Kinerja Keuangan Umkm. Indonesian Journal of Multidisciplinary on Social and Technology, [S. l.], v. 1, n. 3, p. 311–320, 2023. DOI: 10.31004/ijmst.v1i3.216. Disponível em: https://journal.ilmudata.co.id/index.php/ijmst/article/view/216. Acesso em: 24 jan. 2026.