Rauly Simatupang, C., M. Muslimin, M. Y. . Kasim, and F. Fera. “The Effect of Credit Risk on Profitability of Indonesian State-Owned Commercial Banks: The Intervening Role of Operating Efficiency”. Eduvest - Journal of Universal Studies, vol. 6, no. 1, Jan. 2026, pp. 987-95, doi:10.59188/eduvest.v6i1.52660.