Adika Putra, R. and Muslimin 2026. Determinants of Microenterprise Performance in Surabaya: The Role of Financial Capability, Intellectual Capital, and Digital Payment. Economics and Business Journal (ECBIS). 4, 6 (Aug. 2026), 3063–3084. DOI:https://doi.org/10.47353/ecbis.v4i6.469.