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 [Internet]. 2025 Aug. 18 [cited 2026 Sep. 10];2(4):6147-56. Available from: https://jicnusantara.com/index.php/jicn/article/view/4776