Desi Wahyuni. “Cross-Sector Collaboration and Technology: Key to Optimizing Regional Finance for Equitable Development in Indonesia”. Dharma Ekonomi 32, no. 1 (May 3, 2025): 49–61. Accessed June 3, 2025. https://ejournals.stiedharmaputra-smg.ac.id/index.php/DE/article/view/221.