TAUFIK SALEH; BELTRI HASUDUNGAN; DINA NURDIANA. Analisis Dampak Regulasi dan Manajemen Keuangan terhadap Kemudahan Akses Kredit bagi UMKM. J-CEKI : Jurnal Cendekia Ilmiah, [S. l.], v. 4, n. 3, p. 3006–3024, 2025. DOI: 10.56799/jceki.v4i3.8463. Disponível em: https://al-haramjournal.id/J-CEKI/article/view/8463. Acesso em: 26 jul. 2026.