Nurwiyati, N., & Agustina, Y. (2026). The Influence of Days Past Due, Loan Amount, and Deposit Proportion on Non-Performing Loans at the CU Sejahtera Makmur Bersama Savings and Loan Cooperative. Economics & Islamic Finance Journal (ECIF), 3(1), 42-53. https://doi.org/10.70550/ecif.v3i1.235