“PENGARUH STABILITAS MAKROEKONOMI DAN KESEHATAN PERBANKAN TERHADAP PEMBIAYAAN UMKM DI INDONESIA: PENDEKATAN MODEL ARDL”, JUEMA, vol. 3, no. 1, pp. 55–69, Apr. 2026, Accessed: May 31, 2026. [Online]. Available: https://ejurnal.suaninstitute.org/index.php/JUEMA/article/view/239