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Caerol Runtu TC, Kumenaung AG, Rorong IP. Challenges and Opportunities in Accessing Subsidized Home Ownership Credit for Informal Sector Workers (Case Study at Bank Tabungan Negara, Bitung City). jrssem [Internet]. 2025 Sep. 8 [cited 2026 Apr. 18];5(2):2924-2932. Available from: https://www.jrssem.publikasiindonesia.id.solusipublish.com/index.php/jrssem/article/view/991