Adhi, Nurseto, Sri Widiyati, Winarni, Embun Duriany Soemarso, and R. Gunawan Setianegara. “Analysis of Banking Performance and Risk in Indonesia During the Covid-19 Pandemic”. Indonesian Journal of Banking and Financial Technology 1, no. 2 (April 30, 2023): 201–210. Accessed April 27, 2026. https://journal.formosapublisher.org/index.php/fintech/article/view/4787.