Erwin, E., Isnurhadi, I., Thamrin, K. M. S. H. and 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), pp. 43-49. doi: 10.21744/ijbem.v7n1.2255.