Sparta and Safhira, A. N. (2026) “The Impact of Credit Risk, Capital Adequacy, Liquidity, and Efficiency on Return on Assets in Indonesian Banking”, Jurnal Manajemen, 17(1), pp. 268–289. Available at: http://150.107.142.43/index.php/manajemen/article/view/22177 (Accessed: 17 March 2026).