Luthfiah Fazra El Ghifari. “PEMANFAATAN FINANCIAL TECHNOLOGY (FINTECH) DALAM MEMBANTU PERKEMBANGAN UMKM”. Prosiding Seminar Nasional Berseri 2, no. 2 (February 26, 2024). Accessed May 2, 2026. https://proceedings.uhamka.ac.id/index.php/semnas/article/view/736.