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...