“The Effect of Credit Disbursement Effectiveness on Profitability: The Moderating Role of Non-Performing Loans in PNM’s Mekaar Program (2016–2024)”. 2026. Jurnal Ekonomi Dan Kewirausahaan West Science 4 (01): 30-39. https://doi.org/10.58812/jekws.v4i01.3115.