Hamidah, H., Siallagan, G. M., & Mardiyati, U. (2017). ANALISIS PENGARUH LDR, NPL DAN OPERATIONAL EFFICIENCY RATIO TERHADAP RETURN ON ASSETS PADA BANK DEVISA DI INDONESIA PERIODE 2010-2012. JRMSI - Jurnal Riset Manajemen Sains Indonesia, 5(1), 62–83. Retrieved from https://journal.unj.ac.id/unj/index.php/jrmsi/article/view/795