Saragih, Kharisma Yudha. “Tindakan Proaktif Perbankan Dalam Mengatasi Kredit Macet”. Jurnal Ekonomi, Akutansi dan Manajemen Nusantara 2, no. 1 (August 15, 2023): 1–6. Accessed May 23, 2026. https://loddosinstitute.org/journal/index.php/jeama/article/view/44.