MARDIKA, Dhoni Rizky Widya; LISTIANI, Nur. The Effect of Discouraged Borrowers on Business Sustainability Through Financial Bootstrapping and Financial Inclusion (Study of Creative Entrepreneurs in Startup Phase). KEUNIS, [S. l.], v. 14, n. 1, p. 30–39, 2026. DOI: 10.32497/keunis.v14i1.6783. Disponível em: https://jurnal.polines.ac.id/index.php/keunis/article/view/6783. Acesso em: 12 jan. 2026.