MUZHAFIRAH, ZAQQIAH GHISELA (2026) EFEK MEDIASI NPL TERHADAP PENYALURAN KREDIT DI BANK UMUM INDONESIA TAHUN 2005-2024 = THE MEDIATING EFFECT OF NON-PERFORMING LOANS (NPL) ON CREDIT DISTRIBUTION IN INDONESIAN COMMERCIAL BANKS, 2005–2024. Skripsi thesis, Universitas Hasanuddin.