AMELIA, SITTI RAHMAH (2026) Pengaruh Risiko Kredit, Risiko Likuiditas, Dan Efisiensi Operasional Terhadap Kinerja Keuangan Perbankan Indonesia Tahun 2022-2024 = The Effect Of Credit Risk, Liquidity Risk, And Operational Efficiency On The Financial Performance Of Indonesian Banking In 2022-2024. Skripsi thesis, UNIVERSITAS HASANUDDIN MAKASSAR.