“LITERASI KEUANGAN, KUALITAS PELAYANAN, DAN PROSEDUR KREDIT: KUNCI KEPUTUSAN KUR UMKM”, JMJ, vol. 7, no. 2, hlm. 14–26, Des 2024, Diakses: 21 November 2025. [Daring]. Tersedia pada: https://ejournal.unaja.ac.id/index.php/JMJ/article/view/1217