PENGARUH KINERJA KARYAWAN DAN KARAKTERISTIK NASABAH TERHADAP KOLEKTIBILITAS KREDIT BERMASALAH PADA PT BANK PERKREDITAN RAKYAT WINGSATI. Journal Edutama Multidisciplinary Indonesian, [S. l.], v. 1, n. 1, p. 119–134, 2025. Disponível em: https://journal.journeydigitaledutama.com/index.php/jemi/article/view/16. Acesso em: 26 oct. 2025.