Trisnawati, Luh Putu Puji, Apollo, Indra Siswanti, and Augustina Kurniasih. 2025. “Determinants of Bank Financial Performance in Indonesia: The Role of Governance, Capital Structure, Firm Size, and Intellectual Capital”. TEC EMPRESARIAL 20 (2):1017-34. https://revistas.tec-ac.cr/index.php/tec_empresarial/article/view/679.