Latifatun Nafiah, Sutrisno and Ika Indriasari (2023) “ANALISIS EFEKTIVITAS PENGGUNAAN DANA KUR HUMAN CAPITAL, INNOVATION CAPITAL, DAN LITERASI KEUANGAN TERHADAP KINERJA UMKM”, Equivalent : Journal of Economic, Accounting and Management, 2(1), pp. 79–92. doi:10.61994/equivalent.v2i1.172.