NAWANG, S.; MUKHLIS, I. Strategi Pengembangan UMKM Melalui Financial Technology Dengan Peningkatan Modal Dan Jumlah Konsumen Sebagai Variabel Intervening . Management Studies and Entrepreneurship Journal (MSEJ), [S. l.], v. 3, n. 4, p. 1846–1860, 2022. DOI: 10.37385/msej.v3i4.589. Disponível em: https://www.yrpipku.com/journal/index.php/msej/article/view/589. Acesso em: 6 jul. 2025.