Andrayuni, A.M. and Nurafini, F. 2026. The Impact of Operational Efficiency, Capital Adequacy, Financing Risk, and Liquidity on the Stock Returns of BRIS, BTPS, and PNBS. Jurnal Iqtisaduna. 12, 1 (Jun. 2026), 240–248. DOI:https://doi.org/10.24252/iqtisaduna.v12i1.69242.