ardely, Novrianti Putri, and Mahjus Ekananda. “Loan to Value Ratio, KPR and KPA in Indonesia: An ARDL Approach”. Journal of Developing Economies 8, no. 1 (June 15, 2023): 218–230. Accessed April 5, 2025. https://e-journal.unair.ac.id/JDE/article/view/39737.