Permata Rahmi P, Herlina L, Novitasary S. THE EFFECT OF CAPITAL ADEQUACY RATIO (CAR), NET INTEREST MARGIN (NIM), AND LOAN TO DEPOSITS RATIO (LDR) ON RETURN ON ASSET (ROA) IN PT BANK NEGARA INDONESIA PERSERO TBK PERIOD OF 2011-2021. jbmi [Internet]. 2022 Jun. 30 [cited 2024 May 13];1(1):45-63. Available from: https://journals.inaba.ac.id/index.php/jbmi/article/view/36