Yurika Sari, Afrizawati and Heni Yuvita (2026) “The Effect of Promotions, Service Quality, and Financing Procedures on Customers’ Decisions to Take Out a BRI Simpang Pebem KUR Loan”, Escalate : Economics and Business Journal, 4(3), pp. 656–668. doi: 10.61536/escalate.v4i3.628.