Husodo, Z., S. Wibowo, M. Prasetyo, U. Arief, and M. Muhajir. “ESTIMATING A JOINT PROBABILITY OF DEFAULT INDEX FOR INDONESIAN BANKS: A COPULA APPROACH”. Buletin Ekonomi Moneter Dan Perbankan, Vol. 23, no. 3, Oct. 2020, pp. 389 -12, doi:10.21098/bemp.v23i3.1358.