Budirachman, Ardhyanto. “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 8, no. 6 (September 18, 2025): 1422–1428. Accessed December 5, 2025. https://www.ijirss.com/index.php/ijirss/article/view/9935.