@thesis{thesis,
		author={Pratama  Aditya Yudha},
		title ={PENGARUH PINJAMAN BANK, FINANCIAL TECHNOLOGY, MODAL SENDIRI, DAN PENERAPAN AKUNTANSI TERHADAP PERKEMBANGAN UMKM (Studi Pada Pelaku UMKM di Kota Semarang)},
		year={2023},
		url={http://eprints.stiebankbpdjateng.ac.id/1220/},
		abstract={The purpose of this research is to analyze the effect of bank loans, financial technology, own capital, and the application of accounting on the development of MSMEs in the city of Semarang. The population of this study includes all SMEs in the city of Semarang as many as 17,603 SMEs. The research sample is 100 SMEs in the city of Semarang. This study uses primary data as a source of data obtained from the results of the questionnaire. This research is a quantitative research using multiple linear regression analysis method. The tool used in this research is IBM SPSS (Statistical Program for Social Science). The results of this study indicate that the variables of bank loans, financial technology, own capital, and application of accounting have a positive and significant effect on the development of MSMEs.}
		}