Nasir, M., AR, M. Y., Amri, M., Handayani, C. F. and Aryati, A. (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), pp. 267-276. doi: 10.33059/jseb.v13i2.3342.