Susanti, I. and 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), p. 10.21070/ijler.v21i3.1714. doi: 10.21070/ijler.v21i3.1714.