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: http://150.107.142.43/index.php/manajemen/article/view/22177. Acesso em: 30 jan. 2026.