Usman, Bahtiar, and Henny Setyo Lestari. “Determinants of Bank Performance in Indonesia”. Jurnal Minds: Manajemen Ide dan Inspirasi 6, no. 2 (December 23, 2019): 193-204. Accessed April 3, 2025. https://journal3.uin-alauddin.ac.id/index.php/minds/article/view/11282.