“The Impact of Non-Performing Loans (NPL) and Loan-to-Deposit Ratio (LDR) on the Profitability of Conventional Commercial Banks Listed on the Indonesia Stock Exchange” (2024) INVEST : Jurnal Inovasi Bisnis dan Akuntansi, 5(2), hlm. 472–479. Tersedia pada: https://journal.al-matani.com/index.php/invest/article/view/1160 (Diakses: 30 Juli 2026).