Amelia, R.W. and Sakara, G. 2024. PENGARUH LOAN TO DEPOSIT RATIO DAN NON PERFORMING LOAN TERHADAP RETURN ON ASSET PADA PT. BANK NEGARA INDONESIA (PERSERO) TBK PERIODE 2012 -2022. Prosiding Seminar Nasional Manajemen. 4, 1 (Dec. 2024), 647–655.