Hanafi, I., Hidayat, H. and Pratama, D. 2024. Tri-Factor Analysis of Financial Sustainability: ROA, Firm Size, and NPL in Rural Banks in Riau Province. Management Studies and Entrepreneurship Journal (MSEJ). 5, 1 (Nov. 2024), 4132–4141. DOI:https://doi.org/10.37385/msej.v5i2.4652.