Hartono, R. D. S. ., B. A. . Mubin, and S. Suwardi. “The Influence of Profitabiliti, Capital Adequacy and Liquidity on Credit Management”. 2024. Economics and Business International Conference Proceeding, vol. 1, no. 2, Aug. 2024, pp. 1057-65, http://103.97.100.158/index.php/EBiC/article/view/518.