AL ZAFIR , A. .; SUDARJAH, G. M. Credit risk, COVID, and bank profitability in Indonesian conventional banks. Economics, Finance, and Business Review, [S. l.], v. 2, n. 2, p. 78–87, 2025. DOI: 10.20885/efbr.vol2.iss2.art2. Disponível em: https://journal.uii.ac.id/efbr/article/view/45351. Acesso em: 9 jan. 2026.