Randyantini, V., Apriani, A., Saputri, I. P. and Wahdiniawati, S. A. (2025) “OPTIMALISASI FINTECH DALAM STRATEGI PENGEMBANGAN UMKM”, Andhara, 4(1), pp. 13–21. Available at: https://jurnal.undira.ac.id.206-168-190-59.cpanel.site/andhara/article/view/296 (Accessed: 28 January 2026).