Valdo Hana Primasatria, Tri Ratnawati, and Ida Ayu Sri Brahmayanti. 2025. “Effect of Macroeconomics, Capital, Governance on Earnings, Risk, Yield to Maturity, With Bond Rating Moderation in Banks”. Harmony Management: International Journal of Management Science and Business 2 (2):166-78. https://doi.org/10.70062/harmonymanagement.v2i2.253.