S. B. Pratiwi and S. K. Rahayu, “Improving The Performance of Informal MSMES Determinate by Digital Financial Inclusion and Digital Financial Literacy”, Int. J. Res. Appl. Tech., vol. 2, no. 2, pp. 95–106, Sep. 2022, doi: 10.34010/injuratech.v2i2.8011.