Cakranegara, Pandu Adi, and Purwanto. “Comparative Analysis of Banking Concentration in Indonesia and Malaysia: Market Structure, Stability, and Policy Implications”. Jurnal Ilmiah Manajemen Kesatuan 14, no. 1 (January 31, 2026): 709–722. Accessed July 1, 2026. https://jurnal.ibik.ac.id/index.php/jimkes/article/view/4657.