@incollection{,
	
					
					
					47E203D5C8B6BA0861CEE0BB1C01AEAD
				,
	author={{Boin} and {Tri} and {Respati Indonesia University, Indonesia}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1922335
}

@incollection{b0,
	
	
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	title={{The Relationship between Credit Risk Management and Profitability among the Commercial Banks in Kenya}}
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	author={{
			JosiahAduda
		} and {
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	journal={{Journal of Modern Accounting and Auditing}}
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	year={2011. September 2011}
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	publisher={David Publishing}
		
	

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@book{b1,
	
	
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	title={{The Republic of Indonesia Will Not Repeat the Crisis Like 1998, This Is the Proof. www.liputan6}}
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	author={{
			FikiAriyanti
		}}
		
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	year={2015. June 2017}
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}

@book{b2,
	
	
		,
	title={{Intermediate Financial Management}}
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	author={{
			EugeneFBrigham
		} and {
			PhillipRDaves
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	year={2016}
			,
	publisher={Cengage Learning}
			,
	address={Boston, USA}
		
	

}

@book{b3,
	
	
		,
	title={{Financial Management: Theory and Practice, Fourteenth Edition}}
		,
	author={{
			EugeneFBirgham
		} and {
			MichaelCEhrhardt
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	year={2014}
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	publisher={South-Western}
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	address={Oiho, USA}
		
		
			Cengage Learning
		
	

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@book{b4,
	
	
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	title={{Fundamentals of Financial Management}}
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	author={{
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		} and {
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	year={2017}
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	publisher={Cengage Learning}
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	address={Boston, USA}
		
	

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@book{b5,
	
	
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	title={{Banker Professional Competency Test Module for Risk Management}}
		
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	year={2012}
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	address={Jakarta}
		
	
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	note={Banker Association for Risk Management}

}

@book{b6,
	
	
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	title={{Financial Modeling with Crystal Ball and Excel}}
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	author={{
			JohnCharnes
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	year={2012}
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	publisher={John Wiley & Sons. Inc}
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	address={New Jersey, USA}
		
	

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@incollection{b7,
	
	
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	title={{Credit and Liquidity in Interbank Rates: A Quadratic Approach}}
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	author={{
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	journal={{Journal of Banking & Finance}}
		
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@book{b8,
	
	
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	title={{Banking Management (Revised Edition). Jakarta: Raja Grafindo Persada}}
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	author={{
			Kasmir
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	year={2016}
		
	

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@book{b9,
	
	
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	title={{The Influence of Credit and Liquidity Risks to Profitability in Banking Companies that Go Public in the Period of}}
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	author={{
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	year={2014. 2010 -2012}
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			E-Journal Bisma University of Ganesha Education Department of Management
		
	

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@incollection{b10,
	
	
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	title={{Effect of Credit Risk, Liquidity, Capital Adequacy, and Operational Efficiency on Profitability at PT BPD Bali}}
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	author={{
			DwiPrasetyo
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	journal={{E-Journal of Udayana University Management}}
		
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	year={2015. 2015}
		
	

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@book{b11,
	
	
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	author={{
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	title={{Research Methods for Business Research Methods for Business. Jakarta: Salemba Empat}}
				
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	year={2014}
		
	

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@book{b12,
	
	
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	author={{
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	title={{Econometric and Statistical Analysis with EViews}}
				
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	year={2015}
		
	
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	note={Yogyakarta: UPP STIM YKPN}

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@incollection{b13,
	
	
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	title={{OJK: Bank Profitability Ratio}}
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	author={{
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	journal={{Decreases. www.republika.com. Retrieved}}
		
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}