Permata Gusti G, Triadi Yuliarto R. Analysis of The Causes of The Decline in Profits of The Bank Tabungan Negara (Persero) Tbk 2019. JEM [Internet]. 1 Januari 2020 [dikutip 5 September 2025];3(1):13-22. Tersedia pada: https://jurnal.upb.ac.id/index.php/equalibrium/article/view/85