MAGDALENA OPI; AHMAD MUKOFFI; MOH. ASKIYANTO; ADRIAN JUNAIDAR HANDAYANTO. The Influence of Financial and Non-Financial Factors on Credit Decisions in The Digital Era For Micro, Small, and Medium Enterprises (MSMEs) in Malang City . International Journal of Management and Business, [S. l.], v. 3, n. 1, p. 138–144, 2026. Disponível em: https://irdhjournals.com/ijmb/article/view/491. Acesso em: 13 may. 2026.