Carren; Simbolon, D. Analysis Analysis of the Influence of Corporate Governance and Digital Financial Innovation on Increasing MSME Income in Cemara Asri, Medan. : Analisis Pengaruh Tata Kelola Perusahaan Dan Inovasi Keuangan Digital Terhadap Peningkatan Pendapatan UMKM Di Cemara Asri, Medan. IBEC 2025, 4, 72-83.