Kurniawati, Asih, dan Siwi Nur Indriyani. “PENGARUH LOAN TO DEPOSIT RATIO, NET INTEREST MARGIN DAN NONPERFORMING LOAN TERHADAP STABILITAS SISTEM KEUANGAN PERBANKAN DI INDONESIA”. Jurnal Manajemen Bisnis Krisnadwipayana 10, no. 1 (April 18, 2022): 480–492. Diakses Juni 4, 2026. https://jurnal.unkris.ac.id/index.php/jmbk/article/view/692.