FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN UMKM DI SURABAYA. Jurnal Media Akademik (JMA), [S. l.], v. 2, n. 12, 2024. DOI: 10.62281/v2i12.1395. Disponível em: https://jurnal.mediaakademik.com/index.php/jma/article/view/1395.. Acesso em: 1 jun. 2025.