Darda, Ahmad, Rama Yuli, Lela Nurlaela Wati, and Ainur Abdrazakova. “DIGITAL AND FINANCIAL LITERACY DRIVING MICRO FINANCE ACCESS: RELIGIOSITY AS CATALYST FOR SME DEVELOPMENT”. Jurnal Ilmiah Ilmu Terapan Universitas Jambi 9, no. 4 (December 18, 2025): 1605–1624. Accessed April 17, 2026. https://www.online-journal.unja.ac.id/JIITUJ/article/view/47587.