SIREGAR, Helly Aroza; 						PUJIONO, Pujiono.
 ANALISIS PENGARUH EFISIENSI OPERASIONAL DAN RISIKO PEMBIAYAAN TERHADAP KONTRIBUSI UMKM DALAM PEREKONOMIAN DAN DAMPAKNYA TERHADAP PROFITABILITAS BPRS DI INDONESIA.
<strong>Procuratio : Jurnal Ilmiah Manajemen</strong>, [S.l.], v. 9, n. 4, p. 393-404, dec. 2021.
ISSN 2580-3743.
Available at: &lt;<a href="https://www.ejournal.pelitaindonesia.ac.id/ojs32/index.php/PROCURATIO/article/view/1642" target="_new">https://www.ejournal.pelitaindonesia.ac.id/ojs32/index.php/PROCURATIO/article/view/1642</a>&gt;. Date accessed: 16 feb. 2026.
doi: <a href="https://doi.org/10.35145/procuratio.v9i4.1642">https://doi.org/10.35145/procuratio.v9i4.1642</a>.