HATI, P. . Encouraging the pace of healthy business in the banking sector through credit optimization . PERSPEKTIF: Sudut Pandang Lintas Pengetahuan, [S. l.], v. 1, n. 1, p. 891–895, 2022. Disponível em: https://www.ojs.pseb.or.id/index.php/rd/article/view/428. Acesso em: 7 oct. 2026.