“Pengaruh Literasi Keuangan Dan Akses Permodalan Terhadap Kinerja Keuangan Umkm Di Madura”. EconoPulse Nexus : Journal of Economics, Business, and Finance 1, no. 01 (September 27, 2025): 1–13. Diakses April 18, 2026. https://ejournal.omahtabing.com/epnj/article/view/1.