Indriani, Riza, Afifah Nida Suhailah Boru Dalimunthe, Farel Akbar Aditya Saragih, Fikri Al Kautsar, Ovan Krisadelman Zebua, Kevin Valensius Siahaan, and Cipta Kurnia. 2026. “Strategi UMKM Dalam Menghadapi Disrupsi Digital: Studi Literatur Pada Transformasi Ekonomi Di Indonesia”. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business 9 (3):921-29. https://doi.org/10.37481/sjr.v9i3.1501.