Rahmawati, P. N., G. S. . Setiady, M. Mardi, and I. . Miftahul Ulum. “The Influence of Internal and External Factors on Non-Performing Financing at Islamic Commercial Banks in 2018-2022”. Jurnal Indonesia Sosial Teknologi, vol. 5, no. 10, Oct. 2024, pp. 3903-14, doi:10.59141/jist.v5i10.1250.