KREDIT PROGRAM ADAPTIF SEBAGAI PILAR INKLUSI KEUANGAN DAN PERTUMBUHAN UMKM DIGITAL. Journal of Public Sector Financial Management, [S. l.], v. 1, n. 1, 2025. Disponível em: https://ejournal.akbil.ac.id/index.php/maci/article/view/16.. Acesso em: 13 sep. 2026.