Natania, Talitha, Iwan Putra, and Aminah Ramalia. 2026. “Does Financial Literacy Strengthen the Influence of Gold Savings Programs and Fintech Adoption on MSMEs’ Savings Interest?”. Jurnal Akuntansi & Keuangan Unja 11 (01):80-89. https://doi.org/10.22437/jaku.v11i01.54143.