Watiningsih F. 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 [Internet]. 2026 Mar. 28 [cited 2026 Apr. 16];6(1):291-9. Available from: https://journal.msti-indonesia.com/index.php/ijer/article/view/637