M. S. Utama, N. D. . Setiawina, and M. A. . Raharja, “Role of Banking Agencies and Village Crediting Institutions on Economic Growth Inclusion in Bali Province”, IJSBAR, vol. 48, no. 7, pp. 76–92, Dec. 2019, Accessed: Jan. 10, 2026. [Online]. Available: https://www.gssrr.org/JournalOfBasicAndApplied/article/view/10573