Zuhroh, I. ., M. . Rofik, and M. S. W. . Suliswanto. “Non-Performing Loans: Endogenous Constraint on the Credit–Growth Nexus”. Asian Economic and Financial Review, vol. 12, no. 8, Aug. 2022, pp. 659-72, doi:10.55493/5002.v12i8.4584.