Susanti, I., & Hermawan, S. (2026). Intellectual Capital Risk Management and Competitive Advantage Sustain Banking Financial Performance: Modal Intelektual Manajemen Risiko dan Keunggulan Kompetitif Menopang Kinerja Keuangan Perbankan. Indonesian Journal of Law and Economics Review, 21(3), 10.21070/ijler.v21i3.1714. https://doi.org/10.21070/ijler.v21i3.1714