MAGALHAES, C. A. I.; PANDIN, M. Y. R.; KUSMANINGTYAS, A. The Influence of Operational Efficiency, Credit Risk, and Market Risk on the Profitability of State-Owned Banks Listed on the Indonesia Stock Exchange. Jurnal Multidisiplin Sahombu, [S. l.], v. 5, n. 04, p. 891–901, 2025. Disponível em: https://ejournal.seaninstitute.or.id/index.php/JMS/article/view/6921. Acesso em: 14 jun. 2026.