Fajariyanto, M. B., and W. Wasiaturrahma. “The Effect of Institutional Quality and Macroeconomics Variables on Non-Performing Loans in Developing Countries”. Jurnal Ilmu Ekonomi Terapan, vol. 9, no. 2, Dec. 2024, pp. 185-00, doi:10.20473/jiet.v9i2.57678.