WATI, S. M.; MALINI, H.; PEBRIANTI, W.; RISTYAWAN, M. R.; SYAHPUTRI, A. Effects of Digital Transformation, GCG, and CAR on NPL in Indonesian Banks with Profitability as Moderator . Journal of Educational Management Research , [S. l.], v. 5, n. 5, p. 5884–5898, 2026. DOI: 10.61987/jemr.v5i5.3093. Disponível em: https://serambi.org/index.php/jemr/article/view/3093. Acesso em: 16 sep. 2026.