“The Effect of Capital Adequacy Ratio, Loan to Deposit Ratio, and Operational Costs Than Operating Revenue on Return on Assets: Study on Conventional Banks in Indonesia”. Hut Publication Business and Management 2, no. 1 (April 30, 2022): 115–132. Accessed May 26, 2026. https://www.hutpublication.com/index.php/HPBM/article/view/14.