SIPAYUNG, T. D. The Impact of Financing Digitalization on MSME Operational Effectiveness: The Mediating Role of Innovation, Digital Infrastructure, and Fintech. Jurnal Ilmiah Manajemen Kesatuan, [S. l.], v. 13, n. 3, p. 1621–1634, 2025. DOI: 10.37641/jimkes.v13i3.3258. Disponível em: https://jurnal.ibik.ac.id/index.php/jimkes/article/view/3258. Acesso em: 13 jun. 2026.