Abdul Gani Amin and Setiawan, I. (2026) “Influence of Internal and External Factors on Non-Performing Financing of Sharia People’s Financing Banks (2020–2024)”, Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 11(3). doi: 10.30651/jms.v11i4.33045.