PRASTYATINI, S. L. Y.; PANDIA, S. P. The Influence of Peer-to-Peer Lending Fintech and Payment Gateways on MSME Performance . Jurnal Manajemen, [S. l.], v. 16, n. 3, p. 736–749, 2025. DOI: 10.32832/jm-uika.v16i2.19811. Disponível em: https://ejournal.uika-bogor.ac.id/index.php/manajemen/article/view/19811. Acesso em: 5 dec. 2025.