Pringgo Dikdo, et al. “Bank Competition on Credit Risk and Profitability Moderated by Foreign Bank Penetration: Cases on Indonesian Banking”. The International Journal of Social Sciences World (TIJOSSW), vol. 5, no. 2, Dec. 2023, pp. 316-25, https://www.growingscholar.org/journal/index.php/TIJOSSW/article/view/409.