MONICA, N.; RUZIKNA, R. Pengaruh Literasi Keuangan Dan Penggunaan Financial Technology Terhadap Kinerja Keuangan Umkm Sektor Kuliner Di Kecamatan Sail, Kota Pekanbaru. Management Studies and Entrepreneurship Journal (MSEJ), [S. l.], v. 5, n. 1, p. 4159–4176, 2024. DOI: 10.37385/msej.v5i2.4655. Disponível em: https://www.yrpipku.com/journal/index.php/msej/article/view/4655. Acesso em: 6 jul. 2025.