BERMUDEZ, Bert; OMOTOY, Jay. Enhancing Credit Utilization Practices Through Financial Management Programs for Market Stakeholders in Gonzaga, Cagayan, Philippines. CSU Policy Brief, [S. l.], v. 1, n. 1, p. 1, 2025. DOI: 10.5281/zenodo.19659871. Disponível em: https://csu.org.ph/policybrief/article/view/Credit-Utilization-Market-Gonzaga. Acesso em: 17 jun. 2026.