BUDIRACHMAN, A. . Scarcity of life insurance protection for consumer loans for retirement age: An analysis of supply and demand imbalances in the Indonesian life insurance industry. International Journal of Innovative Research and Scientific Studies, [S. l.], v. 8, n. 6, p. 1422–1428, 2025. DOI: 10.53894/ijirss.v8i6.9935. Disponível em: https://www.ijirss.com/index.php/ijirss/article/view/9935. Acesso em: 5 dec. 2025.