“ Analisis Kredit Bermasalah Berdasarkan Standar Non Performing Loan (NPL) Pada PT BPR Suryajaya Kubutambahan”. Management Studies and Entrepreneurship Journal (MSEJ), vol. 6, no. 5, Oct. 2025, pp. 736-47, https://doi.org/10.37385/msej.v6i5.9253.