Hardiansyah, Nazaruddin, Muhammad Anggia Muchtar. CREDIT MANAGEMENT ANALYSIS TO PREDICT EARLY NON-PERFORMING LOANS AT PT. BANK NEGARA INDONESIA (PERSERO) TBK. IJERLAS [Internet]. 2025 Jul. 27 [cited 2026 Apr. 17];5(4):1394-9. Available from: https://radjapublika.com/index.php/IJERLAS/article/view/3615