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