Tri Reswanti and Harjum Muharram 2025. THE INFLUENCE OF RISK GOVERNANCE ON THE PROFITABILITY OF REGIONAL GOVERNMENT-OWNED GENERAL BANKS IN INDONESIA BEFORE AND DURING THE COVID-19 PANDEMIC. Multidiciplinary Output Research For Actual and International Issue (MORFAI). 5, 3 (May 2025), 1368–1385. DOI:https://doi.org/10.54443/morfai.v5i3.2992.