Siti Nur Amira Binti Othman, Zatul Karamah Binti Ahmad Baharul Ulum, Ku Nur Ilyani Binti Ku Abd Aziz, Nabihah Binti Aminaddin4. THE EFFECTS OF BORROWER CHARACTERISTICS ON LOAN DEFAULT FROM BANK KERJASAMA RAKYAT LOAN OFFICER’S PERSPECTIVES. IJAFB [Internet]. 2024 Apr. 30 [cited 2024 Oct. 7];9(54). Available from: https://academicinspired.com/ijafb/article/view/806