KREDIT PROGRAM ADAPTIF SEBAGAI PILAR INKLUSI KEUANGAN DAN PERTUMBUHAN UMKM DIGITAL. Journal of Public Sector Financial Management, [S. l.], v. 1, n. 1, 2025. DOI: 10.58258/kd2eqa42. Disponível em: https://ejournal.akbil.ac.id/index.php/maci/article/view/16.. Acesso em: 17 jun. 2026.