?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.aufirst=YUNITA+FRANSISKA+ANGELA&rft.aulast=PACHECO&rft.au=PACHECO%2C+YUNITA+FRANSISKA+ANGELA&rft.inst=Sanata+Dharma+University&rft.date=2026&rft.degree=Skripsi&rft.title=Pengaruh+BI+Rate%2C+Inflasi+Dan+Covid-19+Terhadap+Kredit+UMKM+Di+Indonesia