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The attention of the public and the government and the world of education towards small business communities in the form of small and medium micro enterprises (MSMEs) is currently quite large considering the large number of jobs created from this business. But the development of uneven MSMEs is still small, especially from the financial aspect. Much assistance has been given both from soft loans and other business facilities as well as various trainings. This study attempts to examine thedoi:10.35449/jemasi.v15i2.51 fatcat:yzrjurfwlvgxbhf3ktbithcpti