Haniifah , Khairunnisa, Dicky Jhoansyah, and R. Deni Muhammad Danial. 2025. “Financial Management Drives Report Quality Amid Low Literacy and Fintech Use: Manajemen Keuangan Mendorong Kualitas Laporan Di Tengah Rendahnya Literasi Dan Penggunaan Fintech”. Indonesian Journal of Innovation Studies 26 (3):10.21070/ijins.v26i3.1543. https://ijins.umsida.ac.id/index.php/ijins/article/view/1543.