Sumantyo, Riwi, et al. “When Policy Meets Perception: A Multidimensional Analysis of Housing Loan Demand Using LTV Ratios and Google Trends”. SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS, vol. 9, no. 2, Nov. 2025, pp. 197-10, doi:10.29259/sijdeb.v9i2.197-210.