Zusryn, A.S. 2021. CAUSE AND EFFECT ANALYSIS PENYALURAN KREDIT P2P LENDING PADA UMKM DI INDONESIA. Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS). 1, 2 (Jan. 2021), 83–96. DOI:https://doi.org/10.33476/jobs.v1i2.1689.