Mayanti, Yuni. “Effectiveness of Government Policy in Home Ownership Credit Offer Program With Zero Percent Down Payment During the Covid-19 Pandemic”. Journal of Economicate Studies 5, no. 1 (June 30, 2021): 1–8. Accessed April 17, 2026. http://www.journal.islamicateinstitute.co.id/index.php/joes/article/view/691.