D. Sunaryo, “The Effect Of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), and Loan To Deposit Ratio (LDR) Against Return On Asset (ROA) In General Banks In Southeast Asia 2012-2018”, ijjm, vol. 1, no. 4, pp. 149-158, Oct. 2020.