Tarigan, Ruth Abigail, Suparno Suparno, and Agus Wibowo. “THE INFLUENCE OF FINANCIAL LITERACY, DIGITAL LITERACY, AND BUSINESS KNOWLEDGE ON UMKM DEVELOPMENT MEDIATED BY INNOVATION”. Percipience: International Journal of Social, Administration, & Entrepreneurship 5, no. 1 (October 18, 2025): 17-34. https://doi.org/10.33474/percipience.v5i1.24406.