WAFA, M. Z. A.; RUSDI, D. Pengaruh Likuiditas, Biaya Operasional, dan Modal terhadap Profitabilitas Perbankan di Indonesia 2020-2024. Surplus: Jurnal Ekonomi dan Bisnis, [S. l.], v. 4, n. 2, p. 2285–2301, 2026. DOI: 10.71456/sur.v4i2.2164. Disponível em: https://yptb.org/index.php/sur/article/view/2164. Acesso em: 8 oct. 2026.