Bhaktiar, R. E., and A. C. Nova. “The Effect of Loan to Deposit Ratio and Net Interest Margin on Return on Assets”. Jurnal Akuntansi Bisnis Dan Ekonomi, vol. 10, no. 1, Mar. 2024, pp. 20-31, doi:10.33197/jabe.vol10.iss1.2024.1412.