Sinay, L., and E. Kembauw. “The Influence of Macroeconomic Factors on Credit Risk of Banks in Indonesia Using ARDL Model”. Pattimura International Journal of Mathematics (PIJMath), Vol. 2, no. 2, Nov. 2023, pp. 79-88, doi:10.30598/pijmathvol2iss2pp79-88.