Oktaviani, R. F., and Y. P. Dewi. “Enhancing MSME Performance through Digital Financial Capability and Financial Literacy: A Multi-Group Analysis Based on Experience”. Journal of Economics, Entrepreneurship, Management Business and Accounting, vol. 4, no. 5, Sept. 2026, pp. 1499-22, doi:10.61255/jeemba.v4i5.1875.