Fadhila, Novi, and Isna Ardila. “Pengaruh Non Performing Financing Dan Return On Assets Terhadap Perubahan Laba”. Balance : Jurnal Akuntansi dan Manajemen 2, no. 2 (August 19, 2023): 80–89. Accessed April 19, 2025. https://jurnal.risetilmiah.ac.id/index.php/JAM/article/view/333.