Fitriyah, Hadiah, and Natasya Shobibatur Rokhmah. 2026. “THE INFLUENCE OF FINANCIAL LITERACY AND DIGITAL FINANCIAL RECORDING ON THE FINANCIAL RESILIENCE OF MSMES WITH INTELLECTUAL CAPITAL AS A MEDIATING VARIABLE”. International Journal of Economic Integration and Regional Competitiveness 3 (3): 98-118. https://doi.org/10.61796/ijeirc.v3i3.514.