Siti Hidayah, Bagus Kusuma Ardi, Sunarmi Sunarmi, Taufan Akbar Rifky, and Shafira Mayada, “Building Digital Resilience: Exploring the Narratives of Micro-Entrepreneurs in Technology-Based Financial Transformation in Semarang City”, Ijemr, vol. 4, no. 3, pp. 665–672, Oct. 2025.