Nasir, Muhammad, M. Yazid AR, Mustika Amri, Cut Fitri Handayani, and Aryati Aryati. 2022. “The Effect of Internal and External Factors on Non-Performing Financing at Islamic Commercial Banks in Indonesia”. Jurnal Samudra Ekonomi Dan Bisnis 13 (2), 267-76. https://doi.org/10.33059/jseb.v13i2.3342.