I Kadek Gita Permana, and Henny Rahyuda. “The Effect of Liquidity, Bank Capital, Profitability, and Operational Efficiency On Credit Risk (A Case Study On Banking Sub-Sector Companies Listed On The Indonesia Stock Exchange For The Period 2019-2023)”. International Journal of Management Research and Economics, vol. 3, no. 1, Dec. 2024, pp. 323-47, doi:10.54066/ijmre-itb.v3i1.2817.