Hidayat, Restu, Firsty Ramadhona Amalia Lubis, and Agus Salim. “Analisis Rasio NIM, BOPO, NPL Dan LDR Terhadap ROA Bank Rakyat Indonesia Tahun 2009-2020”. Jurnal Simki Economic 5, no. 1 (January 24, 2022): 39–49. Accessed August 25, 2026. https://jurnal.unpkediri.ac.id/index.php/JSE/article/view/130.