A. Widodo and M. Yuspita, “Pengaruh Capital Adequacy Ratio (Car) dan Loan to Deposit Ratio (Ldr) terhadap Return on Assets (Roa) Pada PT Bank Cimb Niaga Tbk Periode 2009-2020”, JISM, vol. 3, no. 2, pp. 270–284, Sep. 2023.