Bermudez B, Omotoy J. Enhancing Credit Utilization Practices Through Financial Management Programs for Market Stakeholders in Gonzaga, Cagayan, Philippines. CSU Policy Brief [Internet]. 2025 Nov. 14 [cited 2026 Jun. 17];1(1):1. Available from: https://csu.org.ph/policybrief/article/view/Credit-Utilization-Market-Gonzaga