AI LUTFI HIDAYAT, R. KINERJA BANK UMUM KONVENSIONAL DI ERA REFORMASI. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, [S. l.], v. 3, n. 1, p. 81-90, 2020. DOI: 10.37481/sjr.v3i1.128. Disponível em: https://www.ojspustek.org/index.php/SJR/article/view/128. Acesso em: 7 oct. 2026.