Simbolon, Maropen R., dan Darwin Simanjuntak. 2020. “THE MEDIATING EFFECT OF CAPITAL ADEQUACY RATIO ON THE RELATIONSHIP BETWEEN NON-PERFORMING LOAN AND RETURN ON ASSET”. Jurnal Terapan Ilmu Manajemen Dan Bisnis 3 (1):47-56. https://jurnal.unai.edu/index.php/jtimb/article/view/2304.