Hardiansyah, Nazaruddin, and Muhammad Anggia Muchtar. “CREDIT MANAGEMENT ANALYSIS TO PREDICT EARLY NON-PERFORMING LOANS AT PT. BANK NEGARA INDONESIA (PERSERO) TBK”. International Journal of Educational Review, Law And Social Sciences (IJERLAS) 5, no. 4 (July 27, 2025): 1394–1399. Accessed April 17, 2026. https://radjapublika.com/index.php/IJERLAS/article/view/3615.