Rainnolv, Cellina, and Viola Syukrina E Janrosl. “The Influence of Financial Literacy, Accounting Knowledge, and Fintech Usage on MSME Perfomance in Batam City”. Finance : International Journal of Management Finance 3, no. 2 (December 31, 2025): 94–105. Accessed January 26, 2026. https://ejournal.internasional.org/index.php/finance/article/view/114.