Khairani, R., E. A. Tantono, R. Anderson, H. Munthe, and P. Y. Purba. “Unlocking the Potential of Financial Inclusion, E-Commerce, and FinTech to Boost SME Performance”. Jurnal Ilmiah Manajemen Kesatuan, vol. 13, no. 5, Sept. 2025, pp. 3565-76, doi:10.37641/jimkes.v13i5.3786.