Stepvannie, Bayu Wulandari and Muhammad Habibi 2025. Pengaruh Capital Adequacy Ratio, Loan To Deposit Ratio, Beban Operasional Pendapatan Operasional Dan Non-Performing Loan Terhadap Profitabilitas Perusahaan Perbankan Yang Terdaftar Di BEI. Management Studies and Entrepreneurship Journal (MSEJ). 6, 4 (May 2025), 5235–5244. DOI:https://doi.org/10.37385/msej.v6i4.8177.