Pengaruh risiko kredit terhadap permodalan dengan efisiensi sebagai variabel intervening. Journal of Business & Banking, [S. l.], v. 10, n. 2, p. 213–231, 2021. DOI: 10.14414/jbb.v10i2.2404. Disponível em: https://journal.perbanas.ac.id/index.php/jbb/article/view/2404. Acesso em: 28 aug. 2025.