ANDINI, N.; MALINI, H.; GIRIATI, G. The influence of non-performing loans (NPL), loan to deposit ratio (LDR), return on assets (ROA), and capital adequacy ratio (CAR) on credit growth in commercial banks in Indonesia. Economic: Journal Economic and Business, [S. l.], v. 5, n. 1, p. 31–41, 2026. DOI: 10.56495/ejeb.v5i1.1374. Disponível em: https://jurnal.larisma.or.id/index.php/EJEB/article/view/1374. Acesso em: 13 jan. 2026.