Agustino, Muhammad Rizqi, et al. “Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Financial Technology Terhadap Kinerja UMKM Di Kabupaten Bojonegoro”. Innovative: Journal Of Social Science Research, vol. 4, no. 4, July 2024, pp. 3751-64, doi:10.31004/innovative.v4i4.13510.