Sunaryo, D. (2020) “The Effect Of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), and Loan To Deposit Ratio (LDR) Against Return On Asset (ROA) In General Banks In Southeast Asia 2012-2018”, Ilomata International Journal of Management, 1(4), pp. 149-158. doi: 10.52728/ijjm.v1i4.110.