Zahidi, M. Yusron, and Ida Ayu Putri Suprapti. “Determinants of Non-Performing Loans at Himbara Banks for the Period 2011-2025”. Al-Kharaj: Journal of Islamic Economic and Business, vol. 8, no. 4, Oct. 2026, https://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/11929.