Supri, Zikra, Putri Dewintari, Nadia, and Risdayanti. “Analisis Kesiapan Penggunaan Digital Finance Pada UMKM Di Kota Palopo Perspektif I-TOE Model”. Owner : Riset dan Jurnal Akuntansi 8, no. 1 (January 1, 2024): 84-90. Accessed April 26, 2026. https://www.owner.polgan.ac.id/index.php/owner/article/view/1912.