DEWI, Made Lia Ananda; KUSUMAWATI, Ratna Dewi; RAMADHANI, Ranita; MUAMILAH , Husnul; RAMLI. Produktivitas UMKM di Era 4.0: Literasi Keuangan, Pembayaran Digital dan Inovasi Digital di Balikpapan. Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma), [S. l.], v. 6, n. 3, p. 1488 – 1499, 2026. DOI: 10.47709/jebma.v6i3.9669. Disponível em: https://jurnal.itscience.org/index.php/jebma/article/view/9669. Acesso em: 15 nov. 2026.