Pertiwi, Dwi Juniati. “Analysis of Credit Risk and Operational Risk on Profit Growth”. BJRM (Bongaya Journal For Research in Management) 5, no. 1 (April 30, 2022): 61–67. Accessed August 8, 2025. https://ojs.stiem-bongaya.ac.id/BJRM/article/view/295.