Indra Pangesti, S. ., and S. . Hazmi. “THE EFFECT OF OPERATIONAL EFFICIENCY, CREDIT RISK, LIQUIDITY RISK ON PROFITABILITY IN CONVENTIONAL BANKING LISTED ON THE INDONESIA STOCK EXCHANGE PERIOD 2020 – 2021”. International Journal Of Humanities, Social Sciences And Business (INJOSS), vol. 2, no. 3, July 2023, pp. 293-10, https://injoss.socian.my.id/index.php/joss/article/view/81.