Kartika Kusmayati, N. et al. 2025. Impact of Legal Regulation and Credit Access on MSME Competitiveness with NIB Ownership Mediation. Jurnal Manajemen dan Kewirausahaan. 13, 2 (Dec. 2025), 241–255. DOI:https://doi.org/10.26905/jmdk.v13i2.16211.