“THE INFLUENCE OF FINANCIAL LITERACY, LEGAL AWARENESS, BANKING SERVICE QUALITY, AND CREDIT ACCESSIBILITY ON MSMEs CUSTOMER SATISFACTION: A COMPARATIVE STUDY BETWEEN PRIVATE AND STATEOWNED BANKS IN INDONESIA”. 2026. Jurnal Bisnis Dan Akuntansi 28 (1): 213-26. https://doi.org/10.34208/2z4neh15.