ZANAWIYAH, Della; SUROIDA, Aiwa; SARI, Milda; SIMANJUNTAK, Kristin Melani; SAHLA, Hilmiatus. Persepsi Pelaku UMKM tentang Peran Lembaga Keuangan Formal dalam Perspektif Fenomenologi. Indonesian Journal of Multidisciplinary on Social and Technology, [S. l.], v. 4, n. 2, p. 3370–3376, 2026. DOI: 10.69693/ijmst.v4i2.11088. Disponível em: https://journal.ilmudata.co.id/index.php/ijmst/article/view/11088. Acesso em: 1 jul. 2026.