Ratuliu, Prita Laura Antoneta, and Diana Nova Lintong. “Latent Structure of Banking Risk: An Exploratory Factor Analysis of Financial Ratios in Indonesian Commercial Banks, 2021–2024”. Riset Akuntansi dan Manajemen Pragmatis 4, no. 1 (September 11, 2026): 93–112. Accessed September 30, 2026. https://jurnal.ywnr.org/index.php/ramp/article/view/473.