Nurul Aulia, et al. “ANALYSIS OF CAPITAL STRATEGY AND CREDIT RISK MANAGEMENT IN INCREASING THE VALUE OF BANKING COMPANIES (A Study of State-Owned Banks Listed on the Indonesia Stock Exchange for the 2020–2025 Period)”. Multidiciplinary Output Research For Actual and International Issue (MORFAI), vol. 6, no. 5, July 2026, pp. 7355-6, doi:10.5281/zenodo.21615910.