Romadhoni E, Dedyansyah A, Indira I. The effect of credit risk and income diversification on financial sustainability with operational efficiency as a moderating. JoM [Internet]. 11Jul.2026 [cited 13Jul.2026];19(2):1353-67. Available from: https://ejurnal.undana.ac.id/index.php/JEM/article/view/26873