JUNIARMITA, A. S.; PATURUSI, A. L. The Influence of Loan To Deposit Ratio And Operating Costs Operating Income To Return On Assets At PT. Bank Negara Indonesia (Persero), tbk. Jurnal Online Manajemen ELPEI, [S. l.], v. 3, n. 2, p. 640–644, 2023. DOI: 10.58191/jomel.v3i2.151. Disponível em: http://stim-lpi.ac.id/jurnal/index.php/Jomel/article/view/151. Acesso em: 26 apr. 2026.