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 10, no. 2 (February 6, 2026). Accessed February 12, 2026. https://ejurnal.dpr.go.id/index.php/jurnalbudget/article/view/459.