Wardiman, J., Y. Wardi, M. Marwan, and N. Nofriansyah. “EXPLORING DEBT FINANCING OPTION FOR SME’S : A SYSTEMATIC LITERATURE REVIEW”. Journal of Management : Small and Medium Enterprises (SMEs), Vol. 17, no. 3, Nov. 2024, pp. 1321-37, doi:10.35508/jom.v17i3.19300.