Putra, I Komang Rachmat Ary, I Putu Julianto, and Putu Eka Dianita Marvilianti Dewi. “Analisis Pengaruh Risiko Kredit, Efisiensi Operasional Dan Kecukupan Modal Terhadap Kinerja Keuangan Perusahaan Sub Sektor Perbankan 2021-2024”. RIGGS: Journal of Artificial Intelligence and Digital Business 5, no. 2 (May 28, 2026): 5311–5320. Accessed June 3, 2026. https://journal.ilmudata.co.id/index.php/RIGGS/article/view/9182.