Reza Surya Akdiwidjaya, 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). MORFAI [Internet]. 2025 Oct. 30 [cited 2026 May 25];5(5):7428-45. Available from: https://radjapublika.com/index.php/MORFAI/article/view/4354