Sinay, Lexy, and Esther Kembauw. “The Influence of Macroeconomic Factors on Credit Risk of Banks in Indonesia Using ARDL Model”. Pattimura International Journal of Mathematics (PIJMath) 2, no. 2 (November 15, 2023): 79-88. Accessed May 29, 2024. https://ojs3.unpatti.ac.id/index.php/pijmath/article/view/10475.