MARPAUNG, Zahra Zetira; HARDI, Bima. Faktor Penentu Penyaluran Kredit UMKM Indonesia: Peran DPK, NPL, dan BI Rate. Indonesian Journal of Multidisciplinary on Social and Technology, [S. l.], v. 4, n. 3, p. 9917–9925, 2026. DOI: 10.69693/ijmst.v4i3.14335. Disponível em: https://journal.ilmudata.co.id/index.php/ijmst/article/view/14335. Acesso em: 14 oct. 2026.