Oktina, Sinta Khoirun Nisa, Dessy Handa Sari, and Ida Suriana. 2021. “PENGARUH NON PERFORMING LOAN (NPL), LOAN TO DEPOSIT RATIO (LDR) DAN RETURN ON ASSET (ROA) TERHADAP PENYALURAN KREDIT PADA BANK UMUM SWASTA NASIONAL DEVISA PERIODE 2019-2020”. JMAP : Jurnal Tugas Akhir Mahasiswa Akuntansi Poltekba 3 (December), 103-11. https://ejournal.poltekba.ac.id/index.php/jmap/article/view/250.