MARDIANA, Sipa Ina; NURYANI, Anum. Pengaruh Efisiensi, Rasio Kredit dan Mobile Banking terhadap Profitabilitas PT Bank Cimb Niaga Tbk Periode 2015-2024. Indonesian Journal of Multidisciplinary on Social and Technology, [S. l.], v. 4, n. 3, p. 8213–8222, 2026. DOI: 10.69693/ijmst.v4i3.13437. Disponível em: https://journal.ilmudata.co.id/index.php/ijmst/article/view/13437. Acesso em: 23 oct. 2026.