Shelby virby; Rosahadah. Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) Dan Loan to Deposit Ratio (LDR) Terhadap Return On Assets (ROA) Pada PT Bank Negara Indonesia (Persero) Tbk Periode 2008 – 2022. SMRK 2025, 8, 39-53.