EFEK DISCOURAGED BORROWERS DAN KEUNGGULAN KOMPETITIF TERHADAP KINERJA USAHA UMKM. Dinamika: Jurnal Manajemen Sosial Ekonomi, [S. l.], v. 5, n. 2, p. 184–194, 2025. DOI: 10.51903/654qrv66. Disponível em: https://journal.stiestekom.ac.id/index.php/dinamika/article/view/799. Acesso em: 8 jun. 2026.