“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”, INVEST, vol. 5, no. 2, hlm. 472–479, Nov 2024, Diakses: Jul 30, 2026. Tersedia pada: https://journal.al-matani.com/index.php/invest/article/view/1160