A. N. Q. A. Alisyahbana, S. Sabir, and A. Isma, “Beyond Credit Disbursement: Evaluating the Leveraging Effect of Kredit Usaha Rakyat on MSME Growth and Resilience”, j. of economics, entrepreneurship, manag. bus. and account., vol. 4, no. 1, pp. 77–94, Jan. 2026.