Fatmawati, Laras Cahya, Mohamad Adam, and Muizzuddin. “Determinants of ASEAN Banking System Stability: Panel Regression Analysis of Z-Score and NPL”. SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS 9, no. 4 (January 26, 2026): 351–372. Accessed October 23, 2026. https://sijdeb.unsri.ac.id/index.php/SIJDEB/article/view/905.