ANALISIS RASIO NON PERFORMING LOAN, NET INTEREST MARGIN DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSET PADA PERBANKAN UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA. IICSDGs. 2020;1(1):61-73. Accessed April 3, 2026. https://journals.ubmg.ac.id/index.php/IICSDGs/article/view/31