Desnicera Laia, Perlindungan F. Hulu, Serniati Zebua, Tiarni Duha. Pengaruh Financial Technology Terhadap Perkembangan UMKM di Kelurahan Pasar Kecamatan Gunungsitoli : Penelitian. JERKIN [Internet]. 2025 Sep. 12 [cited 2026 Aug. 3];4(1):5868-93. Available from: https://jerkin.org/index.php/jerkin/article/view/2712