SILITONGA, A. N. .; ARIESA, Y. .; MELIZA, J. . Analysis of the Effect of Credit Term and Interest Rate Level on the Growth of Micro, Small, and Medium Enterprises . Journal of Innovative and Creativity, [S. l.], v. 6, n. 1, p. 7464–7470, 2026. DOI: 10.31004/joecy.v6i1.6962. Disponível em: https://joecy.org/index.php/joecy/article/view/6962. Acesso em: 15 oct. 2026.