Zakaria, I. H., Muhammad, F. R. ., Jamain, T. H. and Yusuf, M. (2026) “Determinan Non-Performing Financing Bank Syariah di Indonesia: Pendekatan Analisis Data Panel”, Jurnal Minfo Polgan, 15(2), pp. 2360-2368. doi: 10.33395/jmp.v15i2.16583.