pengaruh diversifikasi pendapatan, risiko kredit dan efisiensi operasional te…

This research is motivated by the decline in the average value of conventional commercial banks in Indonesia from 2021 to 2023, despite the significant increase in the Jakarta Composite Index (JCI) during the same period. This indicates internal issues within the banking sector, particularly in terms of financial performance and strategy, which impact investors' assessments of company value…