ROSITA, Y.; SUTEJA, J.; HERMAWAN, A.; SUGIYANTO, S. The Role of Operational Efficiency and Credit Risk in Banking Profitability: Panel Data Evidence from Indonesian Listed Banks (2010-2024). INVEST : Jurnal Inovasi Bisnis dan Akuntansi, [S. l.], v. 7, n. 1, p. 384-403, 2026. DOI: 10.55583/invest.v7i1.2089. Disponível em: http://journal.al-matani.com/index.php/invest/article/view/2089. Acesso em: 30 may. 2026.