Gunawan, Bintang Anggraini Fania, and Helmy Wahyu Sukiswo. 2026. “INCREASING PROFITS IN THE BANKING SECTOR THROUGH THE OPTIMIZATION OF NPL AND LDR”. RISTANSI: Riset Akuntansi 7 (1):54-68. https://doi.org/10.32815/ristansi.v7i1.2787.