Sinulingga, Rikwan, and Samuel Tarigan. “Analisis Pengaruh Price, Promotion, People Dan Process Terhadap Keputusan Pengajuan Kredit Di PT. BPR NBP 15 –Tanah Karo”. Jurnal sosial dan sains 5, no. 7 (July 14, 2025): 2063–2077. Accessed October 19, 2025. http://sosains.greenvest.co.id/index.php/sosains/article/view/32336.