Tarigan, R. A., Suparno, S. and Wibowo, A. (2025) “THE INFLUENCE OF FINANCIAL LITERACY, DIGITAL LITERACY, AND BUSINESS KNOWLEDGE ON UMKM DEVELOPMENT MEDIATED BY INNOVATION”, PERCIPIENCE International Journal of Social, Administration, & Entrepreneurship, 5(1), pp. 17–34. doi: 10.33474/percipience.v5i1.24406.