F. Watiningsih, “The Effect of Non-Performing Loans, Loan to Deposit Ratio, and Capital Adequacy Ratio on Profitability in State-Owned Banks for the 2018-2024 Period”, IJER, vol. 6, no. 1, pp. 291–299, Mar. 2026, doi: 10.59431/ijer.v6i1.637.