“LITERASI KEUANGAN, KUALITAS PELAYANAN, DAN PROSEDUR KREDIT: KUNCI KEPUTUSAN KUR UMKM”, JMJ, vol. 7, no. 2, pp. 14–26, Dec. 2024, Accessed: Jan. 11, 2026. [Online]. Available: https://ejournal.unaja.ac.id/index.php/JMJ/article/view/1217