“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, vol. 1, no. 1, hlm. 61–73, Sep 2020, Diakses: 3 April 2026. [Daring]. Tersedia pada: https://journals.ubmg.ac.id/index.php/IICSDGs/article/view/31