“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, vol. 2, no. 4, pp. 6147–6156, Aug. 2025, Accessed: Sep. 10, 2026. [Online]. Available: https://jicnusantara.com/index.php/jicn/article/view/4776