PUTRI, T. L. H. Analysis of Credit Risk Differences Based on Risk Management and Related Banking Regulation : Case Study of Banks in Indonesia and Malaysia. Owner : Riset dan Jurnal Akuntansi, [S. l.], v. 9, n. 1, p. 162-178, 2025. DOI: 10.33395/owner.v9i1.2394. Disponível em: https://owner.polgan.ac.id/index.php/owner/article/view/2394. Acesso em: 18 apr. 2026.