Indra Pangesti, Shikit, and Shadrina Hazmi. 2023. “THE EFFECT OF OPERATIONAL EFFICIENCY, CREDIT RISK, LIQUIDITY RISK ON PROFITABILITY IN CONVENTIONAL BANKING LISTED ON THE INDONESIA STOCK EXCHANGE PERIOD 2020 – 2021”. International Journal Of Humanities, Social Sciences And Business (INJOSS) 2 (3):293-310. https://www.injoss.socian.my.id/index.php/joss/article/view/81.