I GUSTI AGUNG KRISNA LESTARI. TANTANGAN AKSES PEMBIAYAAN UMKM TERHADAP LEMBAGA KEUANGAN FORMAL DI INDONESIA. Jurnal Nirta : Studi Inovasi, [S. l.], v. 4, n. 2, p. 560–571, 2025. DOI: 10.61412/jnsi.v4i2.273. Disponível em: https://ejournal.nlc-education.or.id/index.php/JNSI/article/view/273. Acesso em: 2 aug. 2025.