Gunawan, Bintang Anggraini Fania, and Helmy Wahyu Sukiswo. “INCREASING PROFITS IN THE BANKING SECTOR THROUGH THE OPTIMIZATION OF NPL AND LDR”. RISTANSI: Riset Akuntansi, vol. 7, no. 1, May 2026, pp. 54-68, doi:10.32815/ristansi.v7i1.2787.