ADHIS DARUSSALAM PAMUNGKAS; RUDI BRATAMANGGALA. Access To Capital For Micro, Small, and Medium Enterprises (MSMES/UMKM) Through Formal and Informal Financial Institutions. Jurnal Multidisiplin Indonesia, [S. l.], v. 3, n. 2, 2025. DOI: 10.62007/joumi.v3i2.478. Disponível em: https://ejournal.alhafiindonesia.co.id/index.php/JOUMI/article/view/478. Acesso em: 13 jul. 2025.