KHAIRUNNISA, Rahma; SIMAMORA, Saur Costanius. PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO DAN NON PERFORMING LOAN TERHADAP CADANGAN KERUGIAN PENURUNAN NILAI PADA PERBANKAN BADAN USAHA MILIK NEGARA TAHUN 2019 – 2023. Jurnal Inovatif Mahasiswa Manajemen, [S. l.], v. 4, n. 3, p. 235–249, 2024. DOI: 10.35968/r5zb4f03. Disponível em: https://jom.unsurya.ac.id/index.php/jimen/article/view/287. Acesso em: 3 dec. 2025.