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HARIS RESMAWAN, NPM : 169010049 (2021) ANALISIS FAKTOR INTERNAL DAN EKSTERNAL YANG MEMPENGARUHI KREDIT BERMASALAH SERTA IMPLIKASINYA TERHADAP KINERJA KEUANGAN PADA BANK BPD ANALYSIS OF INTERNAL AND EXTERNAL FACTORS AFFECTING NON PERFORMING LOANS AND THEIR IMPLICATIONS FOR FINANCIAL PERFORMANCE AT BANK BPD. Disertasi(S3) thesis, UNIVERSITAS PASUNDAN.