Muhammad Multazam, et al. “THE EFFECT OF FINANCIAL LITERACY, FINANCIAL PLANNING, AND FINANCIAL CONTROL ON THE FINANCIAL PERFORMANCE OF MSMES WITH THE ADOPTION OF DIGITAL FINANCIAL TECHNOLOGY AS A MODERATING VARIABLE IN LHOKSEUMAWE CITY”. International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET), vol. 5, no. 9, Aug. 2026, pp. 5847-55, doi:10.5281/zenodo.21775607.