Afrizan, Faza Ladita, Suryani Sri Lestari, and Septian Yudha Kusuma. 2024. “Pengaruh Diversifikasi Pendapatan, BOPO, NPL, LDR Terhadap Profitabilitas Perbankan Selama Meningkatnya Gelombang PHK Indonesia 2023”. Indonesian Journal of Innovation Multidisipliner Research 2 (3):236-47. https://doi.org/10.69693/ijim.v2i3.178.