SERANG, Adrian Eka Darma; TIOLINA EVI. Transformasi Keberlanjutan Industri Penjaminan Kredit UMKM di Indonesia: Analisis PESTEL dengan Konteks Jamkrindo. JURNAL ILMIAH EDUNOMIKA, [S. l.], v. 10, n. 2, 2026. DOI: 10.29040/jie.v10i2.19565. Disponível em: https://jurnal.stie-aas.ac.id/index.php/jie/article/view/19565. Acesso em: 7 may. 2026.