Amelia, Rizka Wahyuni, and Galih Sakara. “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, vol. 4, no. 1, Dec. 2024, pp. 647-55, https://openjournal.unpam.ac.id/index.php/PSM/article/view/45543.