The Effect Of Credit Risk, Operational Efficiency, And Capital Structure On Profitability (Empirical Study On The Banking Industry Listed On The Idx). Journal of Pharmaceutical Negative Results, [S. l.], v. 13, p. 1274–1281, 2022. Disponível em: https://www.pnrjournal.com/index.php/home/article/view/2915.. Acesso em: 23 jun. 2026.