Makatita, Reyner. 2019. “ANALISIS PENGARUH KREDIT, BEBAN OPERASIONAL SERTA NON PERFORMING LOANS TERHADAP MODAL DI PT. BANK PANIN, TBK.”. Journal of Management : Small and Medium Enterprises (SMEs) 1 (1), 133-62. https://doi.org/10.35508/jom.v1i1.1163.