SETIAWAN, C.; WARDHANI, R. S. .; YANTO, Y. The Effect of Loan Interest Rate, Loan Flexibility, And Perceived Risk on the Intention to Use Peer-To-Peer Lending Among MSMEs In Pangkalpinang. Riset Akuntansi dan Bisnis Indonesia, [S. l.], v. 1, n. 4, p. 293–306, 2026. DOI: 10.61401/rabi.v1i4.404. Disponível em: https://jurnal.stiekrakatau.ac.id/index.php/rabi/article/view/404. Acesso em: 27 apr. 2026.