Elsyafira, Farhadilla, Muhammad Ichsan Gifari, and Timothy Gabe Parhorasan Siallagan. “The Effect Of Credit Risk, Liquidity Risk, and Operational Efficiency on The Profitability of PT Bank Mandiri (Persero) Tbk”. JURNAL MANAJEMEN RISIKO 7, no. 1 (June 24, 2026): 54–64. Accessed August 7, 2026. https://ejournal.uki.ac.id/index.php/mr/article/view/8241.