Sekar Sari, Jack Febriand Adel, and Rizki Yuli Sari, “THE EFFECT OF CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), AND NON-PERFORMING LOAN (NPL) ON RETURN ON ASSETS (ROA) OF BANKING SECTOR COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE IN 2021-2025”, IJGAM, vol. 2, no. 3, pp. 619–626, Jul. 2026, Accessed: Jul. 27, 2026. [Online]. Available: https://jurnal-ijgam.or.id/index.php/IJGAM/article/view/362