Otniel Edwina Priscilla Yusuf, Posma S. J. K. Hutasoit, and Jonny Siagian. “ANALISIS PENGARUH SIMPANAN, KREDIT, MODAL TERHADAP RISK-RETURN PERBANKAN SEBELUM - NEW NORMAL COVID-19”. Fundamental Management Journal 10, no. 1 (April 24, 2025). Accessed August 5, 2025. https://ejournal.uki.ac.id/index.php/jm/article/view/6856.