Satya AD, Cupian, Faisal YA. Digital Financing Business Models for MSMEs in Indonesia: Effect on Financial Access, Productivity, and Job Creation toward SDG 8. JIAKES [Internet]. 2025 Dec. 30 [cited 2026 Jun. 5];13(6):1651-62. Available from: https://jurnal.ibik.ac.id/index.php/jiakes/article/view/4336