SIANIPAR, E. S.; ANWAR, M.; MULYANA , A. 5C Credit Analysis, SLIK Utilization, and ICS Readiness Determine MSME Financing Access through Credit Decision. Jurnal Ilmiah Manajemen Kesatuan, [S. l.], v. 14, n. 3, p. 2629–2642, 2026. DOI: 10.37641/jimkes.v14i3.5188. Disponível em: https://jurnal.ibik.ac.id/index.php/jimkes/article/view/5188. Acesso em: 5 jun. 2026.