BERMUDEZ, Bert; OMOTOY, Jay. Enhancing Credit Utilization Practices Through Financial Management Programs for Market Stakeholders in Gonzaga Cagayan: Volume 1, No. 1. Policy Brief, [S. l.], v. 1, 2025. Disponível em: https://csu.org.ph/policybrief/article/view/82. Acesso em: 21 mar. 2026.