PENGARUH CAR, NIM DAN LDR TERHADAP ROA PADA PERBANKAN BUMN KONVENSIONAL TAHUN 2019-2023. Journal of Applied Management Studies, [S. l.], v. 7, n. 1, p. 45–56, 2025. DOI: 10.51713/jamss.2025.7164. Disponível em: http://jamss.untrimbali.ac.id/index.php/JAMSS/article/view/64. Acesso em: 30 apr. 2026.