NEHRU PUTRI, Triwulandari; WINDAYANI; AZIS MUTHALIB, Dzulfikri. PENGARUH TRANSFORMASI DIGITAL, KOMPETENSI SDM, DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN UMKM DI KOTA KENDARI. JISEF : Journal Of International Sharia Economics And Financial, [S. l.], v. 5, n. 1, p. 196–211, 2026. DOI: 10.62668/jisef.v5i1.2825. Disponível em: https://azramedia-indonesia.azramediaindonesia.com/index.php/JISEF/article/view/2825. Acesso em: 26 aug. 2026.