Setiawan, Budi, et al. “Exploring the Adoption of Fintech P2P Financing Among MSMEs Practitioners: MGA and IPMA Approaches”. SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS, vol. 9, no. 2, Sept. 2025, pp. 105-36, doi:10.29259/sijdeb.v9i2.105-136.