“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 11, no. 1 (April 30, 2026): 155–166. Accessed September 17, 2026. https://ojs.unik-kediri.ac.id/index.php/ekonika/article/view/7578.