SIAHAAN, M.; NURMALINA, R. Financial Inclusion and Micro-Credit Accessibility as Determinants of SME Resilience during Periods of Contracting Household Consumption. Smart International Management Journal, [S. l.], v. 3, n. 3, p. 1–15, 2026. DOI: 10.70076/simj.v3i3.211. Disponível em: https://heijournal.id/index.php/simj/article/view/211. Acesso em: 29 oct. 2026.