Winarto, Wahid. “Peran Fintech Dalam Usaha Mikro Kecil Dan Menengah (UMKM)”. Jesya 3, no. 1 (January 1, 2020): 61-73. Accessed July 7, 2026. https://stiealwashliyahsibolga.ac.id/jurnal/index.php/jesya/article/view/132.