SYLVENTER IVEN; MARCHELIN; ELISABET PALI. Analysis of the Characteristics of Customers Experiencing Non-Performing Loans (NPL) Using a Data Mining Approach (Case Study at PT. Pegadaian (Persero) Makale Branch Service Unit). Al-Kharaj: Journal of Islamic Economic and Business, [S. l.], v. 8, n. 2, 2026. DOI: 10.24256/kharaj.v8i2.9392. Disponível em: https://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/9392. Acesso em: 2 jul. 2026.