ALGHOFARI, F.; WINOTO, J.; ASNAWI, Y. H. Optimizing Mortgage Lending Strategies: A Data-Driven Approach to Enhancing Bank BTN’s Non-Subsidized Credit Model. JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES, [S. l.], v. 4, n. 2, p. 372–386, 2025. DOI: 10.55047/marginal.v4i2.1636. Disponível em: https://ojs.transpublika.com/index.php/MARGINAL/article/view/1636. Acesso em: 22 mar. 2026.