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Adhis Darussalam Pamungkas and Rudi Bratamanggala 2025. Access To Capital For Micro, Small, and Medium Enterprises (MSMES/UMKM) Through Formal and Informal Financial Institutions. Jurnal Multidisiplin Indonesia. 3, 2 (Jun. 2025). DOI:https://doi.org/10.62007/joumi.v3i2.478.