Lasmiatun, KMT, and Agung Zulfikri. “DIGITAL LITERACY, ENTREPRENEURIAL ORIENTATION, AND ACCESS TO FINANCING: FACTORS AFFECTING BUSINESS INNOVATION AND COMPETITIVE ADVANTAGE IN INDONESIAN MSMES”. Bussman Journal : Indonesian Journal of Business and Management, vol. 5, no. 3, Oct. 2025, pp. 1980-99, doi:10.53363/buss.v5i3.474.