Natania, T., Putra, I. and Ramalia, A. (2026) “Does Financial Literacy Strengthen the Influence of Gold Savings Programs and Fintech Adoption on MSMEs’ Savings Interest?”, Jurnal Akuntansi & Keuangan Unja, 11(01), pp. 80–89. doi: 10.22437/jaku.v11i01.54143.