Muhammad Ghellwynne Farhane El Mumtaz, Chairul Amal, & Farah Margaretha Leon. (2025). Faktor - Faktor Penentu Credit Risk Perbankan Di Indonesia. Management Studies and Entrepreneurship Journal (MSEJ), 6(4), 4501–4514. https://doi.org/10.37385/msej.v6i4.7771