Fachrurazi, A. Y. Rukmana, Sutrisno, and Efendi. “Achieving Access to External Finance Among Indonesian Entrepreneurs Through Financial Literacy, Financial Inclusion, Availability of Collateral, and Government Policy: A Study on Large Industrial Entrepreneurs in West Java”. The Es Accounting And Finance, vol. 1, no. 02, Mar. 2023, pp. 61-71, doi:10.58812/esaf.v1i02.63.