Gultom, Lasmaida, Musa Hubeis, Syamsul Maarif, and Dadang Sukandar. 2015. “Organizational Development Model of Commercial Banks in Indonesia Based on Performance in Improving Competitiveness”. International Journal of Sciences: Basic and Applied Research (IJSBAR) 24 (2):219-36. https://gssrr.org/index.php/JournalOfBasicAndApplied/article/view/4535.