J. S. Joko, Y. Anisma, and A. Sofyan, “PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN INOVASI TERHADAP KINERJA UMKM : THE EFFECT OF FINANCIAL LITERACY, FINANCIAL INCLUSION, AND INNOVATION ON MSMEs PERFORMANCE ”, CURRENT, vol. 3, no. 1, pp. 1-10, Mar. 2022.