CAEROL RUNTU, Tonny Chrishard; KUMENAUNG, Anderson G.; RORONG, Ita Pingkan. Challenges and Opportunities in Accessing Subsidized Home Ownership Credit for Informal Sector Workers (Case Study at Bank Tabungan Negara, Bitung City). Journal Research of Social Science, Economics, and Management, [S. l.], v. 5, n. 2, p. 2924–2932., 2025. DOI: 10.59141/jrssem.v5i2.991. Disponível em: https://jrssem.publikasiindonesia.id/index.php/jrssem/article/view/991. Acesso em: 5 dec. 2025.