FERONICA FUNGKY MUCHSIDIN; BAHARUDDIN; MADRIANAH; MUHAMMAD RIZAL NUR. Peran Kontinjensi Literasi Keuangan Digital Dalam Mitigasi Risiko Kredit Umkm Melalui Fintech Channeling. BJRM (Bongaya Journal of Research in Management), [S. l.], v. 10, n. 1, p. 1–19, 2026. DOI: 10.37888/bjrm.v10i1.1151. Disponível em: https://ojs.stiem-bongaya.ac.id/BJRM/article/view/1151. Acesso em: 3 nov. 2026.