AFRA SEPTISARI; ADHITYA ANANDA, N. PENGARUH DAYA SAING, BUDAYA KEUANGAN DAN KEPUTUSAN PEMBAYARAN KREDIT TERHADAP AKSES KEUANGAN UMKM. Proceeding Of Student Conference, [S. l.], v. 1, n. 4, p. 319–329, 2023. Disponível em: http://conference.uts.ac.id/index.php/Student/article/view/397. Acesso em: 22 sep. 2024.