(1)
Adam, S.; Shabrina, N.; Novita, D. The Effects Of Capital Adequacy, Loan-To-Deposit, And Non-Performing Loan Ratios On Return On Assets: Evidence From Indonesian State-Owned Banks, 2020–2025. ekmabis 2026, 4 (3), 239-258. https://doi.org/10.60023/qm0d4y12.