Nuzulia, N., Hotsawadi, H. and Kasanah, R. (2026) “FINANCIAL SECTOR INTEGRATION AND CREDIT RISK IN DRIVING SECTORAL ECONOMIC PERFORMANCE: EVIDENCE FROM THE DUAL BANKING SYSTEM IN NORTH SUMATRA ”, Elastisitas : Jurnal Ekonomi Pembangunan, 8(1), pp. 55–64. doi: 10.29303.e-jep.v8i1.07.