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 Apakah Penggunaan Kredit UKM di Kota Denpasar Sudah Efektif?.
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ISSN 2303-0186.
Available at: &lt;<a href="http://103.29.196.112/index.php/jekt/article/view/24112" target="_new">http://103.29.196.112/index.php/jekt/article/view/24112</a>&gt;. Date accessed: 16 dec. 2025.
doi: <a href="https://doi.org/10.24843/JEKT.2018.v11.i01.p10">https://doi.org/10.24843/JEKT.2018.v11.i01.p10</a>.