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), pp. 4132–4141. doi: 10.37385/msej.v5i2.4652.