Satya, Adji Dwi, Cupian, and Yudi Ahmad Faisal. 2025. “Digital Financing Business Models for MSMEs in Indonesia: Effect on Financial Access, Productivity, and Job Creation Toward SDG 8”. Jurnal Ilmiah Akuntansi Kesatuan 13 (6):1651-62. https://doi.org/10.37641/jiakes.v13i6.4336.