Indra Pangesti S, Hazmi S. THE EFFECT OF OPERATIONAL EFFICIENCY, CREDIT RISK, LIQUIDITY RISK ON PROFITABILITY IN CONVENTIONAL BANKING LISTED ON THE INDONESIA STOCK EXCHANGE PERIOD 2020 – 2021. INJOSS [Internet]. 2023 Jul. 12 [cited 2024 Oct. 18];2(3):293-310. Available from: https://injoss.org/index.php/joss/article/view/81