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Geraldus Christian Ronaldo

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Conference Open access Oct 2026

The Influence of Financial Technology Adoption and Financial Adaptability on the Financial Performance of MSMEs in Central Java

The MSME sector plays a pivotal role in Indonesia's economic growth but faces structural constraints, including limited digital capabilities and financing barriers. While digital technology adoption is widely viewed as a solution, empirical evidence of its direct impact on financial performance remains inconsistent. Gr...

A. Sukarno, S. Ambarwati, A. Ristono et al. · 0 citations

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