Napitupulu, S. and Falianty, T. (2026) “The Effect of The Reference Rate (BI-Rate) on Micro, Small, and Medium Enterprise (MSME) Lending For The Period 2016-2023”, EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis, 14(4), pp. 5071-5084. doi: 10.37676/ekombis.v14i4.11076.