Seftiyati, Fitri, and Tiara Nirmala. “PERAN FINTECH PEMBAYARAN DAN P2P LENDING TERHADAP PENDAPATAN UMKM PASCA PANDEMI COVID-19”. Bhinneka Multidisiplin Journal 3, no. 1 (February 2, 2026): 59–69. Accessed March 31, 2026. https://bmj.esc-id.org/index.php/home/article/view/100.