Sitriani, A. et al. 2025. The Influence of Financial Literacy and Financial Digitalization on the Profitability: Study on Micro and Small Enterprises Business Incubator in Palu City, Indonesia. Golden Ratio of Finance Management. 5, 1 (Mar. 2025), 228–238. DOI:https://doi.org/10.52970/grfm.v5i1.997.