LAURENSIUS, Michael. Perilaku Utang Dan Piutang Pengusaha UMKM Penerima Penjaminan Kredit Dari Bank ONP. Cendekia Niaga, [S. l.], v. 6, n. 1, p. 61–77, 2022. Disponível em: https://jurnal.kemendag.go.id/index.php/JCN/article/view/673. Acesso em: 2 jul. 2025.