Fina Sherli Wewengkang and Arief Wibowo 2026. Analysis Of Online Loan Regional Clustering in Indonesia In 2024 Based On Outstanding And Default Rate (TWP90) Using K-Means Clustering. Al-Kharaj: Journal of Islamic Economic and Business. 8, 1 (Mar. 2026). DOI:https://doi.org/10.24256/kharaj.v8i1.9342.