Utari, G.A, Trinil Arimurti, and Ina Kurniati. “PERTUMBUHAN KREDIT OPTIMAL”. Buletin Ekonomi Moneter dan Perbankan 15, no. 2 (December 27, 2012): 3-36. Accessed September 24, 2021. https://www.bmeb-bi.org/index.php/BEMP/article/view/60.