Indah Nurfitria Sari, Santi Pertiwi Hari Sandi, and Ery Rosmawati, “ANALYSIS OF NON-PERFORMING LOAN (NPL) HANDLING MECHANISMS IN PJT II EMPLOYEE COOPERATIVES BY BHAKTI RAHARJA”, Jurnal Ekonomi, vol. 11, no. 02, pp. 1067–1072, Sep. 2022.