Alamsyah, Virza Utama. 2026. “Determinants of Capital Adequacy Ratio in KBMI 4 Banks: Evidence from Profitability and Liability Structure in Indonesia (2021–2025)”. Sanskara Manajemen Dan Bisnis 4 (03):488-99. https://doi.org/10.58812/smb.v4i03.867.