zahra, talitha alea, & 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