Yunika, H., and K. Chandra. “ANALYSIS OF FACTORS INFLUENCING NON-PERFORMING LOANS IN BANKS LISTED ON THE INDONESIA STOCK EXCHANGE”. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), Vol. 10, no. 3, Oct. 2026, pp. 543-66, doi:10.31955/mea.v10i3.7863.