Sitorus, E.V.B., Sormin, G.C. and Muda, I. 2022. The role of home ownership credit in the concept of time value for money and the effect of banking credit costs in pandemic era. International journal of health sciences. 6, S1 (Apr. 2022), 2685–2692. DOI:https://doi.org/10.53730/ijhs.v6nS1.5192.