Susanti, Inna, and Sigit Hermawan. 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.