GUMILANG WIRAKANDA, G.; SATRIA, M. R. DETERMINAN KEPUTUSAN UMKM MENGGUNAKAN FASILITAS KREDIT BANK. LAND JOURNAL, [S. l.], v. 6, n. 1, p. 112-122, 2025. DOI: 10.47491/landjournal.v6i1.4012. Disponível em: https://ejurnal.ulbi.ac.id/index.php/jurnalland/article/view/4012. Acesso em: 31 jan. 2025.