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Sylventer Iven, Marchelin, and 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. j. islam. econ. bus., vol. 8, no. 2, Apr. 2026.