“The Effect of Credit Disbursement Effectiveness on Profitability: The Moderating Role of Non-Performing Loans in PNM’s Mekaar Program (2016–2024)”. Jurnal Ekonomi dan Kewirausahaan West Science 4, no. 01 (Januari 31, 2026): 30–39. Diakses Maret 21, 2026. https://wnj.westsciences.com/index.php/jekws/article/view/3115.