Nasir, Muhammad, M. Yazid AR, Mustika Amri, Cut Fitri Handayani, and Aryati Aryati. “The Effect of Internal and External Factors on Non-Performing Financing at Islamic Commercial Banks in Indonesia”. Jurnal Samudra Ekonomi dan Bisnis 13, no. 2 (July 30, 2022): 267-276. Accessed September 19, 2024. https://ejurnalunsam.id/index.php/jseb/article/view/3342.