Ramdani, Deni, Shintya Novita Rahmawati, Affix Mareta, Alex Johanes Simamora, and Wildan Yudhanto. 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.