The Moderation Effect of External Auditor on the Relationship between Bank Characteristics and Credit Risk. Efektor, [S. l.], v. 12, n. 2, p. 181–190, 2025. DOI: 10.29407/e.v12i2.27027. Disponível em: https://ojs.unpkediri.ac.id/index.php/efektor-e/article/view/27027. Acesso em: 16 dec. 2025.