Analisis Faktor-Faktor Penyebab Tingginya Tingkat Non Performing Loan (NPL) Pada Penyaluran Kredit Angsuran Sistem Fidusia Di PT. Pegadaian (Persero) Cabang Pontianak (Undergraduate Program in Accounting, Department of Accounting, Faculty of Economics and Business, Universitas Tanjungpura, 2014)