Didok, M. S., Gana, F. ., & Fanggidae, R. E. . (2026). Management and Staff Perception of Factors Affecting Consumer Credit Marketing Performance at PT BPD NTT. International Journal of Environmental, Sustainability, and Social Science, 7(2), 321 – 330. https://doi.org/10.38142/ijesss.v7i2.1902