Silitonga, Aldi Neri, Yeni Ariesa, and Juli Meliza. “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 6, no. 1 (February 1, 2026): 7464–7470. Accessed October 15, 2026. https://joecy.org/index.php/joecy/article/view/6962.