ALFAHRULI, Iqbal; LUTFI, L. Credit Risk in Regional Development Banks: The Roles of Operational Inefficiency, Profitability, and Independent Commissioners. Golden Ratio of Finance Management, [S. l.], v. 6, n. 2, p. 399–419, 2026. DOI: 10.52970/grfm.v6i2.2264. Disponível em: https://goldenratio.id/index.php/grfm/article/view/2264. Acesso em: 7 aug. 2026.