„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, nr. 2, pp. 472–479, nov. 2024, Data accesării: iul. 30, 2026. Disponibil la: https://journal.al-matani.com/index.php/invest/article/view/1160