Faktor Determinan Peluang Penggunaan Dana Eksternal Pada UMKM. Journal of Economic, Management, Accounting and Technology, [S. l.], v. 2, n. 2, p. 169–175, 2019. DOI: 10.32500/jematech.v2i2.742. Disponível em: https://ojs.unsiq.ac.id/index.php/jematech/article/view/742. Acesso em: 26 nov. 2025.