Otto Fitriandy and Irene Rini Demi Pangestuti 2025. THE EFFECT OF INCOME DIVERSIFICATION STRATEGY ON CREDIT RISK AND MARKET RISK IN COMMERCIAL BANKS IN INDONESIA DURING THE COVID-19 PANDEMIC. Multidiciplinary Output Research For Actual and International Issue (MORFAI). 5, 3 (May 2025), 1481–1495. DOI:https://doi.org/10.54443/morfai.v5i3.3021.