Nu Graha, Andi, Asna Asna, and Arien Anjar Puspitosari Suharso. 2025. “Crafting The Msmes’ Performance Into Financial Literacy, Financial Inclusion, and Fintech In Emerging Countries”. International Journal of Science, Technology & Management 4 (5):1104-15. https://doi.org/10.46729/ijstm.v4i5.940.