Indra Pangesti, S. ., & Hazmi, S. . (2023). THE EFFECT OF OPERATIONAL EFFICIENCY, CREDIT RISK, LIQUIDITY RISK ON PROFITABILITY IN CONVENTIONAL BANKING LISTED ON THE INDONESIA STOCK EXCHANGE PERIOD 2020 – 2021. International Journal Of Humanities, Social Sciences And Business (INJOSS), 2(3), 293–310. https://doi.org/10.54443/injoss.v2i3.81