ROHMAH, Kharifma Halim Nur. Pengaruh Teknologi Keuangan terhadap Perilaku Manajemen Keuangan UMKM: Peran Mediasi Literasi Keuangan dan Lokus Kontrol. Indonesian Journal of Innovation Multidisipliner Research, [S. l.], v. 4, n. 3, p. 7179–7198, 2026. DOI: 10.69693/ijim.v4i3.1642. Disponível em: https://multidisipliner.org/ijim/article/view/1642. Acesso em: 10 oct. 2026.