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Analysis factors Reason The low Micro , Small and Medium Enterprises Loans at Bank Financial Institutions in Indonesia. JOURNAL OF SHARIA ECONOMICS, [S. l.], v. 5, n. 1, p. 55–69, 2023. DOI: 10.35896/jse.v5i1.536. Disponível em: https://ojs.mlati.id.or.id/index.php/JSE/article/view/536. Acesso em: 7 sep. 2026.