Zaragoza, Merlin Grace Panggabean, and Muthia Pramesti. “The Growth of MSE: The Effect of Financial Literacy and Access to Finance With Digital Finance and Usage of Digital Technology As Mediators”. Jurnal Manajemen Teknologi, vol. 24, no. 1, Mar. 2025, pp. 15-29, doi:10.12695/jmt.2025.24.1.2.