Adhi Prasetyo Satriyo Wibowo. “Challenges of The Housing People’s Business Credit Program Policy in Encouraging the Empowerment of MSMES”. Jurnal Budget : Isu Dan Masalah Keuangan Negara, vol. 10, no. 2, Feb. 2026, https://ejurnal.dpr.go.id/index.php/jurnalbudget/article/view/459.