Karamoy, Herman and Tulung, Joy Elly (2019): The Effect of Banking Risk on Indonesia’s Regional Development Banks. Published in: Banks and Bank System , Vol. 15, No. 2 (June 2020): pp. 130-137.
Sondakh, Jullie J. and Tulung, Joy E. and Karamoy, Herman (2021): The Effect of Third-Party Funds, Credit Risk, Market Risk, and Operational Risk on Profitability in Banking for Period 2014-2017. Published in: Journal of Governance and Regulation , Vol. 10, No. 2 (28 April 2021): pp. 179-185.
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