SUGIANTO; LUSIANA, M. Financial Literacy, Fintech Adoption, and the Financial Performance of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia . Journal of Management, [S. l.], v. 5, n. 2, p. 175–182, 2026. Disponível em: https://myjournal.or.id/index.php/JOM/article/view/613. Acesso em: 6 aug. 2026.