HANAFI, I.; HIDAYAT, H.; PRATAMA, D. Tri-Factor Analysis of Financial Sustainability: ROA, Firm Size, and NPL in Rural Banks in Riau Province. Management Studies and Entrepreneurship Journal (MSEJ), [S. l.], v. 5, n. 1, p. 4132–4141, 2024. DOI: 10.37385/msej.v5i2.4652. Disponível em: https://www.yrpipku.com/journal/index.php/msej/article/view/4652. Acesso em: 6 jul. 2025.