Suaidah, Yuniep Mujati, et al. “The Influence of Credit Risk, Capital Adequacy Level and Operating Expense Ratio on Profitability at Rural Credit Banks in East Java”. Proceeding ICAMEKA: International Conference Accounting, Management & Economics Uniska, vol. 1, no. 1, Dec. 2024, pp. 1112-23, https://icamekaproceedings.fe.uniska-kediri.ac.id/index.php/icameka/article/view/97.