Hartono, R. Djoko Setyo, Burhan Aenul Mubin, and Suwardi Suwardi. “The Influence of Profitabiliti, Capital Adequacy and Liquidity on Credit Management”. Economics and Business International Conference Proceeding 1, no. 2 (August 20, 2024): 1057–1065. Accessed March 14, 2025. http://429005.jxltd.asia/index.php/EBiC/article/view/518.