Dewi, Nurma Gupita, Rizki Ridhasyah, and Tio Anta Wibawa. 2023. “Financial Access and MSMEs Performance During Pandemic COVID-19: The Moderating Role of Digitization”. Journal of Developing Economies 8 (1):144-52. https://doi.org/10.20473/jde.v8i1.36843.