Indra Pangesti, Shikit, and Shadrina Hazmi. “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, no. 3 (July 12, 2023): 293–310. Accessed March 19, 2026. https://www.injoss.socian.my.id/index.php/joss/article/view/81.