Bermudez, Bert, and Jay Omotoy. “Enhancing Credit Utilization Practices Through Financial Management Programs for Market Stakeholders in Gonzaga, Cagayan, Philippines”. CSU Policy Brief 1, no. 1 (November 14, 2025): 1. Accessed June 17, 2026. https://csu.org.ph/policybrief/article/view/Credit-Utilization-Market-Gonzaga.