The Role of Human Resource Competence, Business Innovation and Working Capital Affected by Intervening Variables of Work Ethics on The Sustainability of Rural Banks in Bali Author Details: Anak Agung Ngurah Gede SADIARTHA, University Hindu Indonesia, Denpasar, Indonesia, ORCID: 0000-002-1497-1735  Abstract The purpose of this study is to determine the direct and indirect influence of …