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zahra, t., & Megapaksi, G. (2025). ANALYSIS OF FACTORS INFLUENCING THE RATIO OF HOUSING NON-PERFORMING LOAN FOR THE 2015-2024 PERIOD. Proceedings Of The International Conference Of Islamic Economics And Business (ICONIES), 11(1), 403-420. Retrieved from https://conferences.uin-malang.ac.id/index.php/iconies/article/view/3420