Febriyani A, Rita MR. Determinan Kinerja UMKM: Fintech Lending, Modal Usaha dan Orientasi Pasar. AFRe Account. Finan. Rev. [Internet]. 2022 Jul. 20 [cited 2026 Jun. 4];5(2):131-9. Available from: https://jurnal.unmer.ac.id/index.php/afr/article/view/7761