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Sa'adah, Haqiqotus (2021) Kontribusi customer income dan sistem joint responsibility terhadap non performing loan dengan karakter nasabah sebagai variabel moderasi: Studi pada program nasional pemberdayaan masyarakat-mandiri perdesaan PNPM-MP Kecamatan Rambipuji Jember. Masters thesis, Universitas Islam Negeri Maulana Malik Ibrahim.