SPARTA; SAFHIRA, Aura Nanda. The Impact of Credit Risk, Capital Adequacy, Liquidity, and Efficiency on Return on Assets in Indonesian Banking. Jurnal Manajemen (Edisi Elektronik), [S. l.], v. 17, n. 1, p. 268–289, 2026. DOI: 10.32832/jm-uika.v17i1.22177. Disponível em: http://150.107.142.43/index.php/manajemen/article/view/22177. Acesso em: 17 oct. 2026.