Nor Fatah Ulinnuha et al. 2025. THE INFLUENCE OF FINANCIAL TECHNOLOGY (FINTECH) USAGE, FINANCIAL LITERACY, SAVING HABITS, AND CAPITAL STRUCTURE ON THE FINANCIAL CAPABILITY OF MSMES IN TANGERANG REGENCY. International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET). 4, 10 (Dec. 2025), 388–392. DOI:https://doi.org/10.54443/ijset.v5i1.1408.