Ridha, A., Ardasanti, A., & Citta, A. B. (2025). Peran Fintech dalam Mendorong Literasi dan Inklusi Keuangan UMKM di Kota Makassar. Innovative: Journal Of Social Science Research, 5(4), 3307–3318. https://doi.org/10.31004/innovative.v5i4.20656