ANALISIS FAKTOR EKONOMI DAN SOSIAL YANG MENDORONG MASYARAKAT DALAM MEMINJAM DANA DI BANK  KELILING MITRA. Human Capital Management, [S. l.], v. 4, n. 1, p. 13–22, 2026. Disponível em: https://jurnalpustaka.com/index.php/macan/article/view/126. Acesso em: 22 oct. 2026.