Idawati, W., and S. A. Syafputri. “THE EFFECT OF DIGITAL FINANCIAL, CREDIT RISK, OVERHEAD COST, AND NON-INTEREST INCOME ON BANK STABILITY”. INQUISITIVE : International Journal of Economic, Vol. 3, no. 1, Dec. 2022, pp. 23-44, doi:10.35814/inquisitive.v3i1.4227.