“The Impact of Credit Risk, Liquidity Risk, and Operational Risk on Profitability in State-Owned Banks Listed on the Indonesia Stock Exchange (BEI), 2015-2024”. Jurnal Manajemen dan Investasi (MANIVESTASI) 7, no. 2 (December 16, 2025): 195–210. Accessed June 21, 2026. https://jurnal.univpgri-palembang.ac.id/index.php/manivestasi/article/view/20551.