Erwin, E., Isnurhadi, I., Thamrin, K. M. S. H., & Widiyanti, M. (2024). Impact of intellectual capital, capital structure, and credit risk on financial performance on banking companies listed on the Indonesian stock exchange. International Journal of Business, Economics & Management, 7(1), 43-49. https://doi.org/10.21744/ijbem.v7n1.2255