Shonhadji, Nanang. “What Most Influence on Non-Performing Loan in Indonesia? Bank Accounting Perspective With MARS Analysis”. JASF: Journal of Accounting and Strategic Finance 3, no. 2 (November 30, 2020): 136–153. Accessed September 8, 2024. https://jasf.upnjatim.ac.id/index.php/jasf/article/view/355.