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 JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, [S. l.], v. 2, n. 11, p. 3487–3518, 2023. DOI: 10.54443/sibatik.v2i11.1487. Disponível em: https://www.publish.ojs-indonesia.com/index.php/SIBATIK/article/view/1487. Acesso em: 15 sep. 2025.