Sazahra, Kelsa, and Efriyanto Efriyanto. “Analisis Pengaruh NPL Dan LDR Terhadap ROA Bank BJB 2019–2024”. RIGGS: Journal of Artificial Intelligence and Digital Business 4, no. 2 (July 25, 2025): 6926–6932. Accessed October 13, 2025. https://journal.ilmudata.co.id/index.php/RIGGS/article/view/1781.