Dewi, A. L., and W. P. Setiyono. “The Effect of Financial Literacy, Financial Inclusion, Fintech Crowdfunding on MSME Performance in Sidoarjo Regency”. Indonesian Journal of Innovation Studies, Vol. 20, Oct. 2022, p. 10.21070/ijins.v20i.727, doi:10.21070/ijins.v20i.727.