Dewi, Riska, and Abdul Hakim. “Non-Performing Financing in Indonesian Islamic Commercial Banks During the Pandemic: A Macro and Microeconomics Perspective”. Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit 9, no. 1 (March 31, 2022): 17–25. Accessed December 5, 2025. http://journal2.uad.ac.id/index.php/reksa/article/view/5831.