AYU, S. .; NOVIANTY, R.; JUMARNI, J. Pengaruh Literasi dan Inklusi Keuangan Syariah Terhadap Keputusan Pengambilan Pembiayaan Fintech (Studi Pada Masyarakat Kec. Awangpone). Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 9749–9759, 2025. DOI: 10.31004/joecy.v5i2.1667. Disponível em: https://joecy.org/index.php/joecy/article/view/1667. Acesso em: 16 oct. 2026.