PAKAYA, S. I.; ISHAK, I. M.; PARAMANI, R. N. R. Analisis Pengaruh Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) terhadap Return On Asset (ROA) pada Bank Umum Milik Negara. Economic Reviews Journal, [S. l.], v. 3, n. 2, p. 903–917, 2024. DOI: 10.56709/mrj.v3i2.220. Disponível em: https://www.mes-bogor.com/journal/index.php/mrj/article/view/220. Acesso em: 24 oct. 2025.