Internal and External Factors of Non-performing Loan (NPL): A Study on the Economic Enterprise of Savings and Loans (UEK-SP) in Rumbai District, Pekanbaru, Riau in 2020-2022. ICESS. 2024;2:814-835. Accessed December 6, 2025. https://icess.uin-suska.ac.id/index.php/1/article/view/243