Simamora, H. and Yopi 2025. Analysis Of The Impact Of Credit Risk And Operational Risk On Financial Stability Case Study On State-Owned Enterprises In The Banking Sub-Sector. Journal of Science Education and Management Business. 4, 2 (Aug. 2025), 428–436. DOI:https://doi.org/10.62357/joseamb.v4i2.722.