Putri, Maulinda Hikhmaliana, Cahyadi Husadha, Dody Kurniawan, and 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 4, no. 2 (July 31, 2026). Accessed October 22, 2026. https://journal.drafpublisher.com/ijesm/article/view/542.