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Setiyowati L, Koerniawan KA, Halim A. PENGARUH NET INTEREST MARGIN, EFFICIENCY RATIO, DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSETS PADA PT. BANK RAKYAT INDONESIA (Persero)Tbk. JRMA [Internet]. 2015 Feb. 14 [cited 2024 Dec. 22];3(1). Available from: http://ejournal.unikama.ac.id/index.php/jrma/article/view/987