Kamal Fathoni, M, et al. “Analisis Penyelesaian Kredit Macet Di PNPM-Mandiri: Studi Di Desa Mersam, Provinsi Jambi”. ILTIZAM Journal of Shariah Economics Research, vol. 7, no. 2, Dec. 2023, pp. 144-55, https://doi.org/10.30631/iltizam.v7i2.1945.