SEFTIYATI, F.; NIRMALA, T. PERAN FINTECH PEMBAYARAN DAN P2P LENDING TERHADAP PENDAPATAN UMKM PASCA PANDEMI COVID-19. Bhinneka Multidisiplin Journal, [S. l.], v. 3, n. 1, p. 59–69, 2026. DOI: 10.53067/bmj.v3i1.100. Disponível em: https://bmj.esc-id.org/index.php/home/article/view/100. Acesso em: 3 oct. 2026.