Az zakiyyah, N. A., and F. R. A. Lubis. “STATE-OWNED BANK AND NATIONAL PRIVATE FOREIGN EXCHANGE COMMERCIAL BANK FINANCIAL PERFORMANCE: BEFORE AND DURING THE COVID-19 PANDEMIC ERA”. Jurnal REP (Riset Ekonomi Pembangunan), vol. 7, no. 2, Oct. 2022, pp. 178-90, https://journal.untidar.ac.id/index.php/rep/article/view/14.