MAULANA, Asep Stevi. Factors Affecting Account Officers’ Perception of the Decrease in Non-Performing Loan (NPL) Risk of the Mekaar Program at PT Permodalan Nasional Madani (PNM) Bekasi Branch. International Journal of Sustainable Applied Sciences, [S. l.], v. 4, n. 10, p. 1341–1348, 2026. DOI: 10.59890/ijsas.v4i10.90. Disponível em: http://ijsasjournal.my.id/index.php/ijsas/article/view/90. Acesso em: 14 oct. 2026.