Saiful, Saiful, and Dea Puspita Ayu. “Risks Management and Bank Performance: The Empirical Evidences from Indonesian Conventional and Islamic Banks”. International Journal of Economics and Financial Issues, vol. 9, no. 4, July 2019, pp. 90-94, https://econjournals.com.tr/index.php/ijefi/article/view/8078.