Rahman, M.I., Sa’roni, C., Hidayah, S. and Reza, M.F. 2026. From Adoption to Productivity: The Central Role of Optimal Technology Use in The Informal Economy. Jurnal Ilmiah Manajemen dan Bisnis. 11, 1 (Jun. 2026), 94-111. DOI:https://doi.org/10.38043/jimb.v11i1.7610.