Indra Tjahya, R., & Nur Hestyaningsih, S. (2026). The Effects of Non-Performing Loans (NPLs) and the Loan-to-Deposit Ratio (LDR) on Return on Assets (ROA) of State-Owned Banks Listed on the Indonesia Stock Exchange, 2022–2025. Jurnal Indonesia Sosial Sains, 7(8), 3629–3642. https://doi.org/10.59141/jiss.v7i8.2529