Selviana, Salsa. “Analysis of Risk-Based Bank Ratings in Banking Companies before and After Merger: Case Study Indonesian Banking Industries”. KINERJA: Jurnal Manajemen Organisasi dan Industri 2, no. 1 (June 1, 2023): 42–51. Accessed August 19, 2026. https://jurnalpustek.id/index.php/kjmb/article/view/77.