Djalamang ZJ, Yuliana Y, Qosim N, Syalsabila F. ANALISIS PERAN KOMPETENSI ACCOUNT OFFICER DAN FAKTOR EKSTERNAL TERHADAP KREDIT MACET (STUDI EMPIRIS DI PERMODALAN NASIONAL MADANI, CABANG PALU). trend [Internet]. 2025Dec.23 [cited 2026Apr.19];13(2):13-8. Available from: https://www.jurnaltrend.com/index.php/trend/article/view/623