abdurahman, Firdo, and Ananda Hadistia. 2025. “Pengaruh Non Performing Loan Dan Capital Adequacy Ratio Terhadap Return on Assets Pada PT Bank Mandiri Tbk Periode 2013–2024”. Jurnal Ilmiah Swara MaNajemen (Swara Mahasiswa Manajemen) 5 (4):675-89. https://doi.org/10.32493/jism.v5i4.56277.