Peran Legalitas dan Kepemilikan Usaha dalam Proses Analisis Kredit Nasabah SME di Bank BTN. Jurnal Penelitian Ilmiah Multidisipliner , [S. l.], v. 3, n. 02, 2026. DOI: 10.70294/fq59wt88. Disponível em: https://ojs.ruangpublikasi.com/index.php/jpim/article/view/2680.. Acesso em: 16 sep. 2026.