<?xml version="1.0" encoding="UTF-8"?>
<oai_dc:dc xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/ http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
  <dc:creator>Efran Merdianto</dc:creator>
  <dc:title>PENGARUH FINANCIAL TECHNOLOGY, INOVASI BISNIS DAN E-COMMERCE TERHADAP KINERJA UMKM DIMEDIASI OLEH LITERASI KEUANGAN (STUDI KASUS UMKM NINAAN PT.BUKIT ASAM TBK)</dc:title>
  <dc:publisher>Universitas Bina Darma,</dc:publisher>
  <dc:date>2025</dc:date>
</oai_dc:dc>