Priskila Gissela Marlia Walangitan, “OVERCOMING BARRIERS TO DIGITAL FINANCIAL INCLUSION: A CASE STUDY OF MICRO ENTERPRISES IN TOMOHON: Mengatasi Hambatan dalam Inklusi Keuangan Digital: Studi Kasus Usaha Mikro di Tomohon”, JS, vol. 9, no. 4, pp. 1350–1359, Aug. 2025.