Rosita, Yeti, Jaja Suteja, Atang Hermawan, and Sugiyanto Sugiyanto. 2026. “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 7 (1):384-403. https://doi.org/10.55583/invest.v7i1.2089.