Widyastuti, Maria; Ferdinand, Deograsias Yoseph Yustinianus - In: Journal of risk and financial management : JRFM 16 (2023) 1, pp. 1-14
This study aims to test financial literacy and credit conditions in determining formal credit access to determine the …, Gresik, and Sidoarjo) with a sample size of 100 actors who had accessed formal credit using the stratified random sampling … significantly affect access to formal credit and MSME performance; formal credit access directly and significantly affects MSME …