Alfahruli I, Lutfi L. Credit Risk in Regional Development Banks: The Roles of Operational Inefficiency, Profitability, and Independent Commissioners. GRFM [Internet]. 2026 Aug. 2 [cited 2026 Aug. 7];6(2):399-41. Available from: https://goldenratio.id/index.php/grfm/article/view/2264