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. JURNAL SeMaRaK, [S. l.], v. 8, n. 2, p. 39–53, 2025. Disponível em: https://openjournal.unpam.ac.id/index.php/smk/article/view/50960. Acesso em: 10 jan. 2026.