Firman Wahyudi C, Muharam H. THE INFLUENCE OF CREDIT RISK AND EFFICIENCY ON THE FINANCIAL PERFORMANCE OF CONVENTIONAL AND SHARIA BPRs IN EAST JAVA IN THE PERIOD BEFORE AND DURING THE PANDEMIC. SIBATIK [Internet]. 2023 Oct. 26 [cited 2025 Jul. 1];2(11):3487-518. Available from: https://publish.ojs-indonesia.com/index.php/SIBATIK/article/view/1487