Permata, I. P., Bayu Seno Pitoyo, & Muhammad Richo Rianto. (2026). Pengaruh Literasi Keuangan, Sikap Keuangan, dan Penggunaan Alat Keuangan Digital terhadap Kinerja Bisnis UMKM di Sektor Kuliner Kecamatan Rawalumbu. IJESM Indonesian Journal of Economics and Strategic Management, 4(2). Retrieved from https://journal.drafpublisher.com/ijesm/article/view/602