I Gusti Agung Krisna Lestari. TANTANGAN AKSES PEMBIAYAAN UMKM TERHADAP LEMBAGA KEUANGAN FORMAL DI INDONESIA. JNSI [Internet]. 2025 Mar. 30 [cited 2025 Aug. 2];4(2):560-71. Available from: https://ejournal.nlc-education.or.id/index.php/JNSI/article/view/273