PENGARUH LOAN TO DEPOSIT RATIO (LDR) DAN NON PERFORMING LOAN (NPL) TERHADAP RETURN ON ASSETS (ROA) PADA PT BANK MANDIRI (PERSERO) TBK PERIODE TAHUN 2015-2024. JICN. 2025;2(4):6147-6156. Accessed July 24, 2026. https://jicnusantara.com/index.php/jicn/article/view/4776