Determinasi BOPO,LDR, dan NPL Terhadap ROA Perbankan Indonesia 2019-2023. MANAJEMEN, [S. l.], v. 5, n. 2, p. 80–91, 2025. DOI: 10.51903/xrwpb224. Disponível em: https://journal.politeknik-pratama.ac.id/index.php/IMK/article/view/1155. Acesso em: 11 nov. 2026.