Gultom, Erni Wahyuni, Sari Purnama Zein Lubis, and Muhammad Fauzan Nasution. “Akses Digital Dan Inklusi Keuangan: Peran Fintech Syariah Bagi UMKM Indonesia”. Indonesian Journal of Multidisciplinary on Social and Technology 4, no. 3 (October 26, 2026): 10967–10974. Accessed October 28, 2026. https://journal.ilmudata.co.id/index.php/ijmst/article/view/14491.