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. Jurnal Intelek Dan Cendikiawan Nusantara, [S. l.], v. 2, n. 4, p. 6147–6156, 2025. Disponível em: https://jicnusantara.com/index.php/jicn/article/view/4776. Acesso em: 10 sep. 2026.