“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”. 2024. Proceeding International Conference on Economic and Social Sciences 2 (December): 814-35. https://icess.uin-suska.ac.id/index.php/1/article/view/243.