THE INFLUENCE OF CREDIT RISK, INTEREST RATES, AND LIQUIDITY ON BANKING PROFITABILITY IN INDONESIA BEFORE AND DURING THE COVID-19 PANDEMIC CONDITIONS. j. akunt. [Internet]. 2025 Apr. 30 [cited 2025 May 12];19(1):22-39. Available from: https://ejournal.atmajaya.ac.id/index.php/JARA/article/view/6032