AKDH, S. H.; HASEN, A. M. Expected Credit Losses as a Key Driver of Profit Variability in Banks: Ekspektasi Kerugian Kredit sebagai Pendorong Utama Variabilitas Laba Bank. Academia Open, [S. l.], v. 10, n. 2, p. 10.21070/acopen.10.2025.11592, 2025. DOI: 10.21070/acopen.10.2025.11592. Disponível em: https://acopen.umsida.ac.id/index.php/acopen/article/view/11592. Acesso em: 4 sep. 2025.