Manafe JD, Sanga MH, Wungubelen DF. The influence of financial literacy and access to capital on the performance of MSMs with financial technology as a moderating variable. enrichment [Internet]. 2024Oct.30 [cited 2025Jan.22];14(4):773-82. Available from: https://enrichment.iocspublisher.org/index.php/enrichment/article/view/2102