BANDIVAS, Orcynth. LOAN AND PREMIUM ARREARS AMONG DEPED TEACHERS: BASIS FOR INTERVENTION PROGRAM. International Multidisciplinary Journal of Research for Innovation, Sustainability, and Excellence (IMJRISE), [S. l.], v. 3, n. 2, p. 86–103, 2026. Disponível em: https://risejournals.org/index.php/imjrise/article/view/1509. Acesso em: 16 jul. 2026.