WAHYUNINGRUM, T.; WIBOWO, P. A. Evaluasi faktor penentu kinerja UMKM: Peran kompetensi SDM, literasi keuangan, modal keuangan, dan modal sosial. Journal of Accounting and Digital Finance, [S. l.], v. 5, n. 1, p. 45–59, 2025. DOI: 10.53088/jadfi.v5i1.1624. Disponível em: https://journal.nurscienceinstitute.id/index.php/jadfi/article/view/1624. Acesso em: 23 jun. 2025.