HIDAYATULLAH. S, Soemarno; HUSNI, Muhammad; ANDREAWAN, Anto. Determinan Resiliensi Keuangan pada UMKM di Indonesia: Peran Manajemen Modal Kerja, Perencanaan Keuangan, dan Alat Keuangan Digital. HORIZON: Indonesian Journal of Multidisciplinary, [S. l.], v. 4, n. 3, p. 1348–1362, 2026. DOI: 10.54373/hijm.v4i3.5497. Disponível em: https://ejournal.indo-intellectual.id/index.php/hijm/article/view/5497. Acesso em: 10 jun. 2026.