Lestari, H. S., B. Usman, W. S. Laksono, and M. H. Abdullah. “The Influence of Macroeconomic Indicators and Bank Internal Factors on Credit Risk in Developing Countries”. Jurnal Ilmiah Manajemen Kesatuan, vol. 13, no. 3, May 2025, pp. 1399-10, doi:10.37641/jimkes.v13i3.3178.