Justinus Gultom, H. and Erna Susilawaty Sebayang 2025. The Influence of Collateral and Business Conditions on Non-Performing Loans with Debtor Character as a Moderating Variable at PT. BPR Duta Paramarta. Al-Kharaj: Journal of Islamic Economic and Business. 7, 4 (Oct. 2025). DOI:https://doi.org/10.24256/kharaj.v7i4.7983.