The Effect of Capital Adequacy and Credit Risk on The Financial Performance of PT BPR Kerta Raharja (Perseroda) with Loan to Deposit Ratio (LDR) as A Moderation Variable A Study for The Period 2018–2025
Rural banks play an important role in supporting local economic activity; however, their financial performance is highly sensitive to capital adequacy, credit risk, and liquidity conditions. This study examined the effects of the Capital Adequacy Ratio (CAR) and Non-Performing Loans (NPL) on the financial performance o...