Deffila, Salsabrina Windi Putri, Yulistina Yulistina, and Desmon Desmon. “Business Strategy, Financial Literacy, and MSME Performance: The Moderating Role of Financial Technology”. Studi Akuntansi, Keuangan, dan Manajemen 6, no. 1 (July 9, 2026): 17–33. Accessed July 11, 2026. http://penerbitgoodwood.com/index.php/sakman/article/view/5592.