THOHARY, R.; GUNARTO, M.; VERAWATY, V. Membangun Kinerja Umkm Melalui Inovasi Keuangan. EQUITY: JURNAL EKONOMI, MANAJEMEN, AKUNTANSI, [S. l.], v. 25, n. 2, 2023. Disponível em: https://ejournal.upnvj.ac.id/equity/article/view/4596. Acesso em: 26 sep. 2026.