Reza Surya Akdiwidjaya, and Wisnu Mawardi. “THE EFFECT OF CREDIT RISK ON FINANCIAL PERFORMANCE OF CONVENTIONAL PEOPLE’S BANKS IN INDONESIA (Comparative Study Between Privately Owned and Local Government Owned BPRs)”. Multidiciplinary Output Research For Actual and International Issue (MORFAI) 5, no. 5 (October 30, 2025): 7428–7445. Accessed January 13, 2026. https://radjapublika.com/index.php/MORFAI/article/view/4354.