Adinda Nurhidayah, Fitriyadi, and Irwansyah. “Pengaruh NPL Dan LDR Terhadap ROA Pada Bank BUMN Periode 2014-2021”. Smart Business Journal (SBJ) 2, no. 2 (December 6, 2022). Accessed October 17, 2026. https://smartbusinessjournal.ulm.ac.id/index.php/sbj/article/view/14.