PUTRI, M. H.; CAHYADI HUSADHA; DODY KURNIAWAN; DODY KURNIAWAN. Persepsi Sistem Penilaian Kredit, Literasi Keuangan, dan Karakter Anggota terhadap Non Performing Loan pada Koperasi Martabe Jaya (Studi Debitur Pensiunan). IJESM Indonesian Journal of Economics and Strategic Management, [S. l.], v. 4, n. 2, 2026. Disponível em: https://journal.drafpublisher.com/ijesm/article/view/542. Acesso em: 22 oct. 2026.