Isnaini, Nirwana NQS. 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. acopen [Internet]. 2023 Sep. 28 [cited 2025 Sep. 3];9(2):10.21070/acopen.9.2024.2673. Available from: https://acopen.umsida.ac.id/index.php/acopen/article/view/2673