Hamidah H, Siallagan GM, Mardiyati U. ANALISIS PENGARUH LDR, NPL DAN OPERATIONAL EFFICIENCY RATIO TERHADAP RETURN ON ASSETS PADA BANK DEVISA DI INDONESIA PERIODE 2010-2012. jrmsi [Internet]. 2017 Apr. 9 [cited 2024 Nov. 22];5(1):62-83. Available from: https://journal.unj.ac.id/unj/index.php/jrmsi/article/view/795