Kartini, Kartini, Sulistya Rini Pratiwi, Rizky Agusriyanti Irna, Meylin Rahmawati, and Yohanna Thresia Nainggolan. 2025. “The Impact Of Non-Performing Loans, Credit Interest Rates And Total Public Savings On Commercial Bank Loan Distribution”. JURNAL ILMU MANAJEMEN 22 (2):161-75. https://doi.org/10.21831/jim.v22i2.84118.