Slamet Hariyanto, Komang Agung Wira Dharma, and Cicely Delfina H. 2026. “Analis Dampak Fintech Terhadap Kinerja UMKM Sektor Food and Beverage Di Jakarta Utara”. Journal of Management and Creative Business 4 (2):233-46. https://doi.org/10.30640/jmcbus.v4i2.6518.