Aqidatul Ulya N, Huda M. PENGARUH FINANCIAL MANAGEMENT ABILITY DAN ADOPSI FINTECH TERHADAP KINERJA KEUANGAN UMKM MELALUI FINANCIAL BEHAVIOR (STUDI PADA UMKM KOTA BATU). currency [Internet]. 2026 Oct. 26 [cited 2026 Nov. 1];5(1):1830-57. Available from: https://jurnalalkhairat.org/ojs/index.php/currency/article/view/2448