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Oktaviani, A.; Nurismalatri, N. Pengaruh Loan to Deposit Ratio (LDR), Non Performing Loan (NPL) Dan Capital Adequacy Ratio (CAR) Terhadap Return on Asset (ROA) Pada PT Bank KB Bukopin Tbk. Periode 2012-2021. JISM 2023, 3, 863-873.