EFRIANDY, I.; ROHMAN, A.; BUDIMAN, A. I. Credit Risk Capital and Interest Rates Shape Bank Net Interest Margin. Academia Open, [S. l.], v. 11, n. 1, p. 10.21070/acopen.11.2026.13815, 2026. DOI: 10.21070/acopen.11.2026.13815. Disponível em: https://acopen.umsida.ac.id/index.php/acopen/article/view/13815. Acesso em: 15 may. 2026.