Kramadibrata, Budi, Darlin Aulia, Rizal Kamsurya, and Andi Heru Susanto. “Dynamic Non Performing Loan in Indonesia (Empirical Study on Commercial and Islamic Banks)”. Indo-Fintech Intellectuals: Journal of Economics and Business 1, no. 1 (September 30, 2021): 23–31. Accessed May 15, 2025. https://ejournal.indo-intellectual.id/index.php/ifi/article/view/14.