MANAP, Abdul; GINTING, Riah Ukur Br; ZAINUDDIN, Zainuddin; YUSNIDAR, Yusnidar; BUANA, Lilik Swarnata Angga. Pengaruh Literasi Keuangan, Adopsi Teknologi Finansial, dan Pengelolaan Modal Kerja terhadap Kinerja Keuangan UMKM. Indonesian Journal of Innovation Science and Knowledge, [S. l.], v. 3, n. 4, p. 4941–4960, 2026. DOI: 10.31004/ijisk.v3i4.735. Disponível em: https://knowledge.web.id/index.php/ijisk/article/view/735. Acesso em: 11 nov. 2026.