Denny Mulyadi, Kiki Yulia Nurul Ramadhani, and Haris Resmawan. “Effectiveness of Micro Credit Management in Minimized Non-Performing Loans at Bank BJB”. Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID), vol. 4, no. 11, Nov. 2025, pp. 1707-13, https://ejournal.seaninstitute.or.id/index.php/esaprom/article/view/7631.