Zairina, Nurul, and Azfa Mutiara Ahmad Pabulo. “PENGARUH LITERASI KEUANGAN, KOMPETENSI SUMBER DAYA MANUSIA, DAN IMPLEMENTASI E-COMMERCE TERHADAP KINERJA UMKM DI KABUPATEN BANTUL”. JURNAL ILMIAH EDUNOMIKA 8, no. 1 (November 29, 2023). Accessed July 1, 2025. https://jurnal.stie-aas.ac.id/index.php/jie/article/view/11185.