zahra, talitha alea and 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), pp. 403-420. Available at: https://conferences.uin-malang.ac.id/index.php/iconies/article/view/3420 (Accessed: 10November2026).