Arafah SN, Khairunnisa K. 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). JEMS [Internet]. 2026 Jan. 7 [cited 2026 Jun. 7];8(2):519-25. Available from: https://jems.ink/index.php/JEMS/article/view/317