Puspitasari CR, Indrakoesoema K. 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 [Internet]. 2026 Sep. 23 [cited 2026 Oct. 1];8(2):37-56. Available from: https://ejurnal.iaiyasnibungo.ac.id/index.php/istikhlaf/article/view/1837