Sumarni, Rohita Nofa Linda. “Kontribusi Fintech Atas Perkembangan Fan Realita UMKM Di Indonesia”. Determinasi: Jurnal Penelitian Ekonomi Manajemen dan Akuntansi 3, no. 2 (June 11, 2025): 184–192. Accessed June 23, 2026. https://jsr.ums.ac.id/determinasi/article/view/452.