Arafah, Shafa Nurul, and Khairunnisa Khairunnisa. “The Influence of Company Growth, Retained Earnings, and Institutional Ownership on Bond Ratings (A Study on Banking Companies Rated by PT PEFINDO in 2020–2024)”. Journal of Economics and Management Scienties 8, no. 2 (January 7, 2026): 519–525. Accessed June 7, 2026. https://jems.ink/index.php/JEMS/article/view/317.