P. Dwianggoro, N. Lestari, and B. Oktrima, “The Effect of Interest Rates, Third-Party Funds, and Non-Performing Loans on Credit Disbursement at PT Bank Rakyat Indonesia Tbk”, J. Ekon. Manaj. Bis., vol. 4, no. 3, pp. 1703–1712, Sep. 2026, doi: 10.70716/emis.v4i3.836.