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Sponsored AI AM CLAUDE, A Beginner's Guide: Learn the basics of working with AI AI AM CLAUDE, A Beginner's Guide: Learn the basics of working with AI

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P. Sihombing

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Open access Sep 2026

Digitalization and Financial Performance of Regional Development Banks: Net Interest Margin as A Mediator

Digital transformation has become essential for Regional Development Banks (BPDs); however, its contribution to profitability depends on effective financial intermediation, interest margin management, and sufficient capital strength. This study examines the effects of digital adoption, the loan-to-deposit ratio (LDR),...

T. Susilawati, P. Sihombing · 0 citations

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