Pengaruh pertumbuhan kredit, faktor makroekonomi dan spesifik bank terhadap tingkat non performing loan untuk kredit konsumsi, kredit modal kerja, dan kredit investasi di Indonesia = The effect of credit growth, macroeconomic factor and bank-specific to the rate of non performing loan for consumption, working capital, and investment credit in Indonesia - Erwin Wicaksana, author (Universitas Indonesia, 2019)