Rayhana, Bulan Ajeng, Misbahul Millah, and Sentot Imam Wahjono. 2025. “Pengaruh Fintech Peer-to-Peer Lending Terhadap Akses Pembiayaan UMKM Di Era Digital”. Journal of Innovative and Creativity 5 (2):4104-10. https://doi.org/10.31004/joecy.v5i2.690.