Khairiyah, I., F. Lubis, and M. L. Nasution. “Analysis of the Influence of External Factors of Sharia Bank on Non-Performing Financing (NPF) of Indonesian Sharia Commercial Banks”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), Vol. 6, no. 3, Aug. 2023, pp. 1838-51, doi:10.31538/iijse.v6i3.3899.