Rahmanisa, Riska, Marti Dewi Ungkari, and Erik Kartiko. 2025. “An Analysis of the Factors Influencing Non-Performing Loans at Perumda BPR Garut”. International Journal of Economics, Management and Accounting (IJEMA) 3 (4):356-65. https://doi.org/10.47353/ijema.v3i4.344.