Abdul Karim, Z., R. Nizam, T. Sarmidi, and A. Abdul Rahman. “KETERANGKUMAN KEWANGAN DAN PERTUMBUHAN FIRMA DI MALAYSIA DAN INDONESIA: ANALISIS REGRESI AMBANG (Financial Inclusion and Firm Growth in Malaysia and Indonesia: A Threshold Regression Analysis)”. International Journal of Management Studies, vol. 27, no. 1, July 2020, pp. 93-121, doi:10.32890/ijms.27.1.2020.7641.