Dewi, I. O., Wahyudi, I., Sustiyana, Garfansa, M. P., & Hanafi. (2025). Optimizing savings and loan management through digital financial software training. Transformasi: Jurnal Pengabdian Masyarakat, 21(1), 73–87. https://doi.org/10.20414/transformasi.v21i1.12828