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Author

Rizal Indra Tjahya

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Open access Aug 2026

The Effects of Non-Performing Loans (NPLs) and the Loan-to-Deposit Ratio (LDR) on Return on Assets (ROA) of State-Owned Banks Listed on the Indonesia Stock Exchange, 2022–2025

This research is motivated by the profitability fluctuations of state-owned banks during the economic recovery period, which are highly susceptible to non-performing credit risks and liquidity management. This research aims to analyze the partial and simultaneous effects of the Non-Performing Loan (NPL) and Loan to Dep...

Rizal Indra Tjahya, Siti Nur Hestyaningsih · 0 citations

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