“CHALLENGES, STRATEGIES, AND ROLES OF DIGITAL TRANSFORMATION IN THE DEVELOPMENT OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMES)”, JOMAR, vol. 1, no. 1, pp. 27–31, Jun. 2026, Accessed: Oct. 05, 2026. [Online]. Available: https://ejournal.tintailmu.org/index.php/JOMAR/article/view/5