Najirah, D., F. Farida, N. Trisnawati, and M. S. Effendi. “The Effect of Net Interest Margin, Bank Size, and Non- Performing Loans on Return on Assets of Conventional Banks Listed on the Indonesia Stock Exchange (2021–2025 Period) ”. IKRAITH-EKONOMIKA, Vol. 9, no. 3, Nov. 2026, pp. 418-26, https://journals.upi-yai.ac.id/index.php/IKRAITH-EKONOMIKA/article/view/7918.