Aprilia, S., Veronica P, R. D., Herlina, T., Dewi, R. and Aini, H. (2026) “The effect of credit risk and liquidity risk on profitability in state-owned banks listed on the Indonesia Stock Exchange 2017-2024”, Journal of Management : Small and Medium Enterprises (SMEs), 19(2), pp. 1233-1241. doi: 10.35508/jom.v19i2.26667.