Setya Wijaya, Riko. “Pengaruh Faktor Makro Ekonomi Terhadap Kredit Bermasalah Pada Bank Umum Di Indonesia ”. OECONOMICUS Journal of Economics 4, no. 1 (December 17, 2019): 36–48. Accessed February 23, 2026. https://jurnalfebi.uinsa.ac.id/index.php/oje/article/view/255.