Napitupulu, Susana, and Telisa Falianty. “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, no. 4 (October 19, 2026): 5071-5084. Accessed October 27, 2026. https://jurnal.unived.ac.id/index.php/er/article/view/11076.