Faisal, Muhammad, et al. “Responding to Monetary Authority Interest Rate Policy: Performance, Financial Risk, and Operational Efficiency Analysis of Commercial Banks”. Danadyaksa: Post Modern Economy Journal, vol. 4, no. 1, Aug. 2026, pp. 1222 – 1232, https://e-journal.bustanul-ulum.id/index.php/danadyaksa/article/view/323.