ADRIANSYAH, S. .; PANGESTUTY, F. W. . Determinants of Credit Disbursement in Small Indonesian Commercial Banks: An ARDL Cointegration Analysis. Priviet Social Sciences Journal, [S. l.], v. 6, n. 5, p. 237–258, 2026. DOI: 10.55942/pssj.v6i5.1879. Disponível em: https://www.journal.privietlab.org/index.php/PSSJ/article/view/1879. Acesso em: 10 jun. 2026.