Kurniawan, Chandra, dan Wayan Wisnu Utama. “The Effect of Risk Profile, Income, and Capital Profiles on Earnings Changes in Banking Industries”. Sustainable Business Accounting and Management Review 1, no. 1 (Juni 30, 2019): 37–52. Diakses September 13, 2026. https://www.dhsjournal.id/index.php/SBAMR/article/view/28.