Gea, Feman Jaya, Firman Sianturi, Jannes Sinaga, Teguh Sagala, and Hamonangan Siallagan. “The Impact of Negative Interest Rates (Negative Interest Gates ) on Guarantee And Liquidity Models In Clearing Houses L”. Jurnal Ilmu Sosial dan Humaniora 3, no. 4 (October 30, 2025): 476–489. Accessed April 18, 2026. https://putrapublisher.org/ojs/index.php/isihumor/article/view/1307.