R. Yuniarti, N. Sukmawaty, A. Rini, and O. Sinaga, “Analysis of Factors Affecting Credit Quality (Case Study at PT. Bank Rakyat Indonesia (Persero) Tbk)”, CAC, vol. 23, no. 1, pp. 39–51, Jan. 2022, Accessed: Apr. 24, 2025. [Online]. Available: https://ca-c.org/CAC/index.php/cac/article/view/42