Annisa ML, Hamzah RS. The Effect of Non-Performing Loans and Capital Adequacy Ratio on Return on Assets of Banking Institutions Listed on The Indonesia Stock Exchange (2020–2023). JR [Internet]. 6 Januari 2026 [dikutip 2 April 2026];9(2):200-17. Tersedia pada: https://jurnal.stiekrakatau.ac.id/index.php/relevansi/article/view/158