The Effect of Credit Disbursement Effectiveness on Profitability: The Moderating Role of Non-Performing Loans in PNM’s Mekaar Program (2016–2024). JEKWS [Internet]. 31 Januari 2026 [dikutip 21 Maret 2026];4(01):30-9. Tersedia pada: https://wnj.westsciences.com/index.php/jekws/article/view/3115