RAULY SIMATUPANG, C.; MUSLIMIN, M.; KASIM, M. Y. .; FERA, F. The Effect of Credit Risk on Profitability of Indonesian State-Owned Commercial Banks: The Intervening Role of Operating Efficiency. Eduvest - Journal of Universal Studies, [S. l.], v. 6, n. 1, p. 987–995, 2026. DOI: 10.59188/eduvest.v6i1.52660. Disponível em: https://eduvest.greenvest.co.id/index.php/edv/article/view/52660. Acesso em: 20 may. 2026.