“ANALISIS PENYEBAB DAN STRATEGI PENANGANAN NON PERFORMING LOAN (NPL) PERBANKAN INDONESIA 2016”, jopt, vol. 16, no. 1, hlm. 95–120, Jun 2019, Diakses: Okt 04, 2026. Tersedia pada: https://jurnal.stieieu.ac.id/index.php/opt/article/view/91