Baharuddin, B., Krisnanto, B. . ., Samalam, A. G. . and Rizal, M. . (2025) “The capital buffer paradox: Strong heterogeneity in profitability determinants between small and over capitalized banks in Indonesia”, Priviet Social Sciences Journal, 5(12), pp. 600–620. doi: 10.55942/pssj.v5i12.1053.