RISKI YAMA LESTARI; DEWI SARTIKA. Pengaruh Literasi Keuangan, Financial Technology, dan E-Commerce Terhadap Kinerja UMKM dengan Business Experience Sebagai Variabel Moderating. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, [S. l.], v. 6, n. 9, p. 3380 –, 2025. DOI: 10.47467/elmal.v6i9.8747. Disponível em: https://journal-laaroiba.com/ojs/index.php/elmal/article/view/8747. Acesso em: 11 may. 2026.