Lestiyowati, N., J. Handayani, and D. I. L. Wijayani. “PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR) DAN NON PERFORMING LOAN (NPL) TERHADAP RETURN ON ASSET (ROA)”. JMAP : Jurnal Tugas Akhir Mahasiswa Akuntansi Politeknik Negeri Balikpapan , Vol. 1, Mar. 2020, pp. 157-64, https://ejournal.poltekba.ac.id/index.php/jmap/article/view/59.