VENNIE, Vennie; KAIRUPAN, Daniel Joel Immanuel. The Effect of Credit Product Knowledge and Perceived Benefits on the Utilization of Inclusive Financing by MSMEs at Bank XYZ Pekanbaru. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), [S. l.], v. 12, n. 1, p. 304–315, 2026. DOI: 10.35870/jemsi.v12i1.5677. Disponível em: https://journal.lembagakita.com/jemsi/article/view/5677. Acesso em: 18 apr. 2026.