id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
hassl-4494	Iranto, Dicky ; Herman, Herman ; Ahmad, Gatot Nazir ; Suparno, Suparno ; Narmaditya, Bagus S 	Empowering small and medium enterprises: A model for digital literacy and credit utilization	2025	17	.pdf	application/pdf	9850	643	44	DigEuLit: Concepts and tools for digital literacy development. Data on digital literacy variables, use of credit facilities, and SME development were obtained through primary data collection using a questionnaire with an inferential semantic scale.	cache/hassl-4494.pdf	txt/hassl-4494.txt