M. Zega, F. . Astuty, I. N. Tarigan, I. M. Damn, P. A. Kristianto, and W. A. Ginting, “EFFECT OF CAPITAL ADEQUACY RATIO, NON PERFORMING LOANS, CURRENT RATIO, FINANCING TO DEPOSIT RATIO TO RETURN ON ASSETS IN THE BANKING SECTOR”, jit, vol. 17, no. 4, Dec. 2023.