?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.aufirst=Ahmad&rft.aulast=Ridha.T&rft.au=Ahmad+Ridha.T&rft.issn=E-ISSN+2807-4238+and+P-ISSN+2807-4246&rft.pages=3307-3318&rft.atitle=Peran+Fintech+dalam+Mendorong+Literasi+dan+Inklusi+Keuangan+UMKM+di+Kota+Makassar&rft.volume=5&rft.date=2025&rft.title=INNOVATIVE%3A+Journal+Of+Social+Science+Research&rft.issue=4&rft.genre=article