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Nur Riskiyah, W., & Hartini. (2023). Pengaruh Literasi Keuangan, Payment Gateway dan Inklusi Keuangan terhadap Kinerja Keuangan UMKM di Kabupaten Sumbawa. Journal of Nusantara Economic Science, 1(4), 188–199. Diambil dari https://www.nafatimahpustaka.org/jnes/article/view/155