“The THE EFFECT OF DEBT, OWN CAPITAL AND NON-STOCK SAVINGS ON COOPERATIVE RENTABILITY: PENGARUH RASIO UTANG, MODAL SENDIRI DAN TABUNGAN NON SAHAM TERHADAP RENTABILITAS KOPERASI” (2019) MBIA, 18(3), pp. 12–29. doi:10.33557/mbia.v18i3.539.