Determining MSME Financing Access: The Role of Human Resources Capacity, Business Networks, and Financial Competence. Jurnal Ecogen, [S. l.], v. 9, n. 2, p. 213–229, 2026. DOI: 10.24036/ecogen.v9.i2.78. Disponível em: https://pek.ppj.unp.ac.id/index.php/ecogen/article/view/78. Acesso em: 19 jun. 2026.