Saonah, Syifa, and Randy Kuswanto. “DETERMINAN PROFITABILITAS PERBANKAN INDONESIA: ANALISIS RISIKO, EFISIENSI, DAN KECUKUPAN MODAL”. Jurnal Riset Terapan Akuntansi, vol. 10, no. 2, Oct. 2026, pp. 500-11, https://doi.org/10.36257/jrta.v10i2.11993.