LumbantoruanD. M., SartonoB., and DjoharS. “LEADING SECTOR DEVELOPMENT AND IT’S IMPLICATONS ON THE LENDING PORTFOLIO AND NON-PERFORMING LOAN OF SMALL MEDIUM ENTERPRISES”. Indonesian Journal of Business and Entrepreneurship (IJBE), Vol. 1, no. 2, May 2015, p. 96, doi:10.17358/ijbe.1.2.96.