Dasi, W.D. et al. 2025. Implementation of Digital Finance for SME: Case Study of Digital-Based Business Incubator Program and Adoption Challenges in Palu City, Indonesia. Golden Ratio of Finance Management. 5, 1 (Mar. 2025), 198–207. DOI:https://doi.org/10.52970/grfm.v5i1.1004.