Gita Sefira Danty and Austin Alexander Parhusip (2026) “THE ROLE OF FINANCIAL TECHNOLOGY, PRODUCT INNOVATION AND WORKING CAPITAL MANAGEMENT IN THE FINANCIAL PERFORMANCE OF MSMES ASSISTED BY THE MEDAN CITY COOPERATIVE AGENCY”, Journal of Accounting Research, Utility Finance and Digital Assets, 5(3), pp. 2494–2507. Available at: https://jaruda.id/index.php/go/article/view/498 (Accessed: 8 October 2026).