Isnaini, and Nihlatul Qudus Sukma Nirwana. “Liquidity in People’s Credit Banks: NPL and Operational Costs in Sidoarjo, Indonesia”. Academia Open 9, no. 2 (September 28, 2023): 10.21070/acopen.9.2024.2673. Accessed April 21, 2024. https://acopen.umsida.ac.id/index.php/acopen/article/view/2673.