Balboa, Evangelina, Marlon Ladesma, and Atty. Nicolai Manguerra. “Digital Financing Innovations and Their Impact on the Financial Performance of SMEs in the Digital Economy Era”. JMM17 : Jurnal Ilmu ekonomi dan manajemen 11, no. 1 (May 15, 2024): 88–98. Accessed January 16, 2026. https://jurnal.untag-sby.ac.id/index.php/jmm17/article/view/10879.