SAZAHRA, K.; EFRIYANTO, E. Analisis Pengaruh NPL dan LDR terhadap ROA Bank BJB 2019–2024. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 4, n. 2, p. 6926–6932, 2025. DOI: 10.31004/riggs.v4i2.1781. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/1781. Acesso em: 13 oct. 2025.