Mardiani, P. S., U. Muawanah, and O. Lisa. “Do Macroeconomics and Bank-Specific Factors Influence Non-Performing Loans?”. Jurnal Informatika Ekonomi Bisnis, Vol. 8, no. 3, Sept. 2026, pp. 674-9, doi:10.37034/infeb.v8i3.1496.