Nugroho, Muchammad Rio, Muhammad Hadyul Haq, Yusril Rahman Hakim, Ladi Wajuba Perdini Fisabilillah, and Tony Seno Aji. 2025. “Analisis Efisiensi Penerapan Manajemen Risiko Terhadap Kinerja Keuangan PT Bank Negara Indonesia”. Independent: Journal of Economics 5 (1):97-102. https://doi.org/10.26740/independent.v5i1.66076.