Kusuma, Alfian Tri, and Amir Hidayatulloh. “FACTORS THAT ENCOURAGE SMALL AND MEDIUM MICRO ENTERPRISES TO LOAN IN SHARIA BANKING”. Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam, vol. 4, no. 02, Sept. 2020, pp. 206-1, doi:10.30868/ad.v4i02.740.