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: Journal of Islamic Economic and Business 8, no. 2 (April 29, 2026). Accessed April 30, 2026. https://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/9392.