NU GRAHA, Andi; ASNA, Asna; ANJAR PUSPITOSARI SUHARSO, Arien. Crafting The Msmes’ Performance Into Financial Literacy, Financial Inclusion, and Fintech In Emerging Countries. International Journal of Science, Technology & Management, [S. l.], v. 4, n. 5, p. 1104–1115, 2025. DOI: 10.46729/ijstm.v4i5.940. Disponível em: https://ijstm.inarah.co.id/index.php/ijstm/article/view/940. Acesso em: 12 feb. 2026.