Yusniar, Nisa, Irmaawati Alimuddin, and Risna. 2026. “The Effect Of Interest Rates And Operating Costs On Banking Profitability”. International Journal of Multidisciplinary Learners 2 (6):150-58. https://ejournal.poltekbaubau.ac.id/index.php/ijml/article/view/1359.