INDRA TJAHYA, Rizal; NUR HESTYANINGSIH, Siti. 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, [S. l.], v. 7, n. 8, p. 3629–3642, 2026. DOI: 10.59141/jiss.v7i8.2529. Disponível em: https://www.jiss.publikasiindonesia.id.solusipublish.com/index.php/jiss/article/view/2529. Acesso em: 21 aug. 2026.