Putri, A., S. Hasyim, and M. Syafii. “Determinants of Credit Distribution Levels at Book 4 Banks in Indonesia from 2015 to 2024”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), Vol. 9, no. 1, Feb. 2026, pp. 3469-80, doi:10.31538/iijse.v9i1.9231.