OCTAVIANUS, Handy, and Khaira Amalia FACHRUDIN. “Income Diversification on Stability in Banking Industry A Systematic Literature Review”. International Journal of Environmental, Sustainability and Social Science 3, no. 2 (July 31, 2022): 276–287. Accessed September 14, 2026. https://journalkeberlanjutan.com/index.php/ijesss/article/view/212.