C. R. Puspitasari and K. Indrakoesoema, “The Effect of Non-Performing Loans (NPL) and Loan-to-Deposit Ratio (LDR) on the Capital Adequacy Ratio (CAR) at Bank Rakyat Indonesia (Persero) Tbk for the 2014–2024 Period”, ISTIKHLAF, vol. 8, no. 2, pp. 37–56, Sep. 2026.