S. Syaifuddin, D. . Rosmaneliana, N. . Toni, S. Aktar, and R. T. . Siregar, “THE EFFECT OF FINANCIAL INCLUSION ON THE PERFORMANCE OF MSMES IN NORTH SUMATERA WITH FINANCIAL LITERACY AS A MEDIATION”, Fin. J. Akt., vol. 12, no. 1S, pp. 35–45, Mar. 2026.