Zulfahmi, H. K. Ngarbingan, G. Ginting, S. Ismulyati, and M. Nasoha. “Development of a MSMEs Digitalization Transformation Model: Optimization of The Use of Crowdfunding As an Alternative to Information Technology Based Capital Solutions”. Ilomata International Journal of Management, Vol. 5, no. 3, Aug. 2024, pp. 993-1010, doi:10.61194/ijjm.v5i3.1275.