Karim, K. ., Kamaludin, K., Indriani, R. . and Husaini⁴, H. (2025) “Interaction Between Local Culture, Financial Technology, and MSME Performance: A Systematic Literature Review”, International Journal of Law, Policy, and Governance, 4(2), pp. 166–178. doi: 10.54099/ijlpg.v4i2.1344.