Determinan Perkembangan UMKM: Pembiayaan Mikro, Adopsi AI, dan Nilai Kemandirian Lokal Tamansiswa. Value : Jurnal Manajemen dan Akuntansi, [S. l.], v. 21, n. 2, p. 500–515, 2026. DOI: 10.32534/jv.v21i2.8596. Disponível em: https://www.e-journal.umc.ac.id/index.php/VL/article/view/8596. Acesso em: 18 oct. 2026.