Ramdani, D., Rahmawati, S. N. ., Mareta, A. ., Simamora, A. J., & Yudhanto, W. (2026). Determinants of Sustainable MSME Financing by Banks. Owner : Riset Dan Jurnal Akuntansi, 10(4), 3699-3712. https://doi.org/10.33395/owner.v10i4.3560