Rahmat, Abmierdal, Nazaruddin Nazaruddin, and Mirwan Surya Perdana. “Synergy and Collaboration in Strategies for Optimizing Bank Profitability: A Qualitative Study”. Economic and Business Horizon 4, no. 2 (May 31, 2025): 301–310. Accessed April 17, 2026. https://journal.lifescifi.com/index.php/ebh/article/view/674.