Candera, Mister, Ervitas Safitri, and Rozzy Feryaldo. “Does Risk Management Improve Financial Performance? Empirical Evidence from Indonesian Listed Banks”. Innovation, Technology, and Entrepreneurship Journal 3, no. 1 (February 28, 2026). Accessed October 13, 2026. https://journal.unimma.ac.id/ITEJ/article/view/16037.