Alghofari F, Winoto J, Asnawi YH. Optimizing Mortgage Lending Strategies: A Data-Driven Approach to Enhancing Bank BTN’s Non-Subsidized Credit Model. J. Manag. Account. Gen. Financ. Int. Econ. Issues [Internet]. 2025 Feb. 20 [cited 2026 Mar. 22];4(2):372-86. Available from: https://ojs.transpublika.com/index.php/MARGINAL/article/view/1636