Ela Yuliana Sari, and Anis Chariri. “Capital Adequacy, Credit Risk, Operational Efficiency and Profitability: Liquidity As an Intervening Variable in National Private Commercial Banks”. The International Journal of Social Sciences World (TIJOSSW), vol. 7, no. 1, Mar. 2025, pp. 103-18, https://www.growingscholar.org/journal/index.php/TIJOSSW/article/view/505.