Natania, Talitha, et al. “Does Financial Literacy Strengthen the Influence of Gold Savings Programs and Fintech Adoption on MSMEs’ Savings Interest?”. Jurnal Akuntansi & Keuangan Unja, vol. 11, no. 01, Mar. 2026, pp. 80-89, doi:10.22437/jaku.v11i01.54143.