Fitriyah, Hadiah, and Natasya Shobibatur Rokhmah. “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, vol. 3, no. 3, Mar. 2026, pp. 98-118, https://doi.org/10.61796/ijeirc.v3i3.514.