SPARTA; SAFHIRA, A. N. The Impact of Credit Risk, Capital Adequacy, Liquidity, and Efficiency on Return on Assets in Indonesian Banking. Jurnal Manajemen, [S. l.], v. 17, n. 1, 2026. Disponível em: https://ejournal.uika-bogor.ac.id/index.php/manajemen/article/view/22177. Acesso em: 1 feb. 2026.