SIPAYUNG, R.; DIKHI JANUARDANI, F. .; MELINA SIMAMORA, J. . Analisa Faktor yang Mempengaruhi Pemberian Kredit Kendaraan Bermotor pada Debitur PT.Cakrawala Citra Mega Multifinance Pematangsiantar. Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 17258–17270, 2025. DOI: 10.31004/joecy.v5i2.2395. Disponível em: https://joecy.org/index.php/joecy/article/view/2395. Acesso em: 16 oct. 2026.