Purnomo, Hadi, and Indah Sri Nurcahyani. “Does Loan to Deposit Ratio Affect Return on Asset? Evidence from State-Owned Banks”. Proceeding of International Conference on Business, Economics, Social Sciences, and Humanities, vol. 6, Mar. 2023, pp. 185-9, https://doi.org/10.34010/icobest.v4i.367.