EFEK DISCOURAGED BORROWERS DAN KEUNGGULAN KOMPETITIF TERHADAP KINERJA USAHA UMKM. DINAMIKA [Internet]. 2025 Oct. 8 [cited 2026 Jun. 8];5(2):184-9. Available from: https://journal.stiestekom.ac.id/index.php/dinamika/article/view/799