Afra Septisari, Adhitya Ananda N. PENGARUH DAYA SAING, BUDAYA KEUANGAN DAN KEPUTUSAN PEMBAYARAN KREDIT TERHADAP AKSES KEUANGAN UMKM. Student [Internet]. 2023 Aug. 7 [cited 2024 Sep. 22];1(4):319-2. Available from: http://conference.uts.ac.id/index.php/Student/article/view/397