Otto Fitriandy, Irene Rini Demi Pangestuti. THE EFFECT OF INCOME DIVERSIFICATION STRATEGY ON CREDIT RISK AND MARKET RISK IN COMMERCIAL BANKS IN INDONESIA DURING THE COVID-19 PANDEMIC. MORFAI [Internet]. 2025 May 24 [cited 2025 Jun. 21];5(3):1481-95. Available from: https://radjapublika.com/index.php/MORFAI/article/view/3021