“DETERMINAN PERMINTAAN KREDIT MODAL KERJA PADA BANK UMUM DI INDONESIA”. Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi 24, no. 11 (October 30, 2025): 1651–1660. Accessed October 3, 2026. https://cibjournal.com/index.php/musytari/article/view/913.