FAUZIAH, S. .; WIBOWO, E. . Pengaruh Literasi Digital, Penerapan Fintech, Dan Modal Usaha Terhadap Kinerja Umkm Pada Era Digital Di Kecamatan Wonogiri. Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 23454–23470, 2025. DOI: 10.31004/joecy.v5i2.3396. Disponível em: https://joecy.org/index.php/joecy/article/view/3396. Acesso em: 17 oct. 2026.