Ria Renny Christiana, Niko Sudibjo, & Yohana Fransisca Cahya Palupi Meilani. (2026). Why Digital Literacy Alone Is Not Enough: Evidence from Women-Owned Micro Enterprises in Indonesia. International Journal of Computer Information Systems and Industrial Management Applications, 18(9s), 72–88. https://doi.org/10.70917/ijcisim-2026-3423