Prayuningsih, I Gusti Ayu, et al. “Pengaruh Capital Adequacy Ratio, Return on Assets, Loan to Deposit Rasio Dan Biaya Operational Pendapatan Operational Terhadap Non-Performing Loan Pada Bank Konvensional”. Jurnal Ilmiah Global Education, vol. 5, no. 1, Mar. 2024, pp. 424-30, doi:10.55681/jige.v5i1.2355.