HANDAYANTI, Nunik; M. UMAR MAI; DIAN IMANINA BURHANY. Comparative Analysis of NPL and NPF of Consumer Credit on the Financial Performance of Bank BTN and BTN Syariah. BAJ: Behavioral Accounting Journal, [S. l.], v. 9, n. 1, p. 1–21, 2026. DOI: 10.33005/baj.v9i1.454. Disponível em: https://baj.upnjatim.ac.id/index.php/baj/article/view/454. Acesso em: 18 jul. 2026.