Serly, Serly, and Josephine Ardini Yaputri. “nalisis eran odal ntelektual an OPO ebagai eterminan inerja erbankan”. MBR (Management and Business Review) 6, no. 2 (December 27, 2022): 178–194. ccessed July 22, 2024. http://ejournal.unikama.ac.id/index.php/mbr/article/view/7520.