ROSMANELIANA, Dina; SYAIFUDDIN, Syaifuddin; SUGITO, Sugito. THE EFFECT OF FINANCIAL INCLUSION AND PEER TO PEER LENDING ON THE PERFORMANCE OF UMKM IN SUMATERA . Jurnal Manajemen Dayasaing, [S. l.], v. 26, n. 2, p. 170–180, 2025. Disponível em: https://journals2.ums.ac.id/dayasaing/article/view/8384. Acesso em: 19 mar. 2026.