ISNAINI; NIRWANA, N. Q. S. Liquidity in People’s Credit Banks: NPL and Operational Costs in Sidoarjo, Indonesia: Dampak Non-Performing Loan dan Biaya Operasional terhadap Likuiditas Bank Perkreditan Rakyat Konvensional: Studi di Sidoarjo, Indonesia. Academia Open, [S. l.], v. 9, n. 2, p. 10.21070/acopen.9.2024.2673, 2023. DOI: 10.21070/acopen.9.2024.2673. Disponível em: https://acopen.umsida.ac.id/index.php/acopen/article/view/2673. Acesso em: 3 sep. 2025.