“LITERASI KEUANGAN, KUALITAS PELAYANAN, DAN PROSEDUR KREDIT: KUNCI KEPUTUSAN KUR UMKM”, JMJ, vol. 7, no. 2, pp. 14–26, Dec. 2024, Accessed: Apr. 19, 2025. [Online]. Available: http://ejournal.unaja.ac.id/index.php/JMJ/article/view/1217