Rianti, Sukma, et al. “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, vol. 7, no. 5, June 2026, pp. 4295-04, doi:10.38035/dijemss.v7i5.6820.