Rahmawati, P. N., Setiady, G. S. ., Mardi, M., & Miftahul Ulum , I. . (2024). The Influence of Internal and External Factors on Non-Performing Financing at Islamic Commercial Banks in 2018-2022. Jurnal Indonesia Sosial Teknologi, 5(10), 3903–3914. https://doi.org/10.59141/jist.v5i10.1250