The Impact of Credit Risk, Liquidity Risk, and Operational Risk on Profitability in State-Owned Banks Listed on the Indonesia Stock Exchange (BEI), 2015-2024. Jmanivestasi: Jurnal Manajemen dan Investasi 2025, 7 (2), 195-210. https://doi.org/10.31851/jmanivestasi.v7i2.20551.