The Effect Of Financial Literacy, Financial Inclusion, And Financial Technology On The Financial Performance Of Msmes (A Study Of The Nozama Sme Community In Malang City). Ekonika : Jurnal Ekonomi Universitas Kadiri, [S. l.], v. 11, n. 1, p. 155–166, 2026. DOI: 10.30737/ekonika.v11i1.7578. Disponível em: https://ojs.unik-kediri.ac.id/index.php/ekonika/article/view/7578. Acesso em: 17 sep. 2026.