Ndun, J., Novi Theresia Kiak, and Maria I. H Tiwu. “PERAN PERBANKAN TERHADAP USAHA MIKRO KECIL DAN MENENGAH DI KOTA KUPANG DAMPAK COVID-19 (STUDI KASUS BANK NTT KCU)”. Journal of Innovation Research and Knowledge, vol. 5, no. 2, July 2025, pp. 1731-44, https://bajangjournal.com/index.php/JIRK/article/view/10635.