Rianti, Sukma, Haryadi Haryadi, Afrizal Afrizal, and Enggar Diah Puspa Arum. 2026. “Beyond Profitability: The Role of Financial Performance, Enterprise Risk Management, Ownership Structure, and Risk-Based Bank Rating in Explaining Banking Stock Returns”. Dinasti International Journal of Education Management and Social Science 7 (5):4295-4304. https://doi.org/10.38035/dijemss.v7i5.6820.