Yuniarsa, Sherlinda Octa. “A POWERFUL ECONOMIC BARRIER AND DIGITAL TRANSITION THROUGH SUSTAINABLE FINANCE: EVIDENCE ON NIAS ISLAND”. Simposium Nasional Keuangan Negara (May 27, 2025). Accessed April 20, 2026. https://jurnalbppk.kemenkeu.go.id/snkn/article/view/928.