Nuzulia N, Hotsawadi H, Kasanah R. FINANCIAL SECTOR INTEGRATION AND CREDIT RISK IN DRIVING SECTORAL ECONOMIC PERFORMANCE: EVIDENCE FROM THE DUAL BANKING SYSTEM IN NORTH SUMATRA . E-JEP [Internet]. 2026 Mar. 31 [cited 2026 Apr. 1];8(1):55-64. Available from: https://elastisitas.unram.ac.id/index.php/elastisitas/article/view/387