SAPUTRA, Putu Satya Dadi; DESAK NYOMAN SRI WERASTUTI; I GUSTI AYU PURNAMAWATI. DO MSME’S BORROW RATIONALLY? BEHAVIORAL BIASES, CREDIT DECISIONS, AND FINANCIAL MANAGEMENT EFFECTS. International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET), [S. l.], v. 5, n. 6, p. 2990–3001, 2026. Disponível em: https://ijset.org/index.php/ijset/article/view/1844. Acesso em: 3 may. 2026.