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Nur Riskiyah W, Hartini. Pengaruh Literasi Keuangan, Payment Gateway dan Inklusi Keuangan terhadap Kinerja Keuangan UMKM di Kabupaten Sumbawa. JNES [Internet]. 27 Desember 2023 [dikutip 14 November 2026];1(4):188-99. Tersedia pada: https://www.nafatimahpustaka.org/jnes/article/view/155