DigdowisesoK. and AlfirahF. A., “Pengaruh Non-Performing Loan (NPL), Equity to Total Assets (EQTA), Operating Expense (OE) terhadap Net Interest Margin (NIM) Bank di Indonesia Periode 2017-2021”, reslaj, vol. 5, no. 5, pp. 2765-2777, Apr. 2023.