Fahriani, Andi. “Pengaruh Risiko Pembiayaan Dan Efisiensi Operasional Terhadap Profitabilitas”. BJRM (Bongaya Journal of Research in Management) 5, no. 1 (April 30, 2022): 26–35. Accessed May 4, 2024. https://ojs.stiem-bongaya.ac.id/BJRM/article/view/335.