Marpaung, Zahra Zetira, and Bima Hardi. “Faktor Penentu Penyaluran Kredit UMKM Indonesia: Peran DPK, NPL, Dan BI Rate”. Indonesian Journal of Multidisciplinary on Social and Technology 4, no. 3 (October 14, 2026): 9917–9925. Accessed October 14, 2026. https://journal.ilmudata.co.id/index.php/ijmst/article/view/14335.