Ghozali, Muhammad Bahrudin Yusuf, and Anum Nuryani. “Pengaruh Dana Pihak Ketiga (DPK) Dan Loan To Deposit Ratio (LDR) Terhadap Non Performing Loan (NPL) Pada PT Bank Rakyat Indonesia Tbk Periode 2012-2021”. Jurnal Ilmiah Swara MaNajemen (Swara Mahasiswa Manajemen), vol. 3, no. 4, Dec. 2023, pp. 711-20, doi:10.32493/jism.v3i4.33826.