Siti Nurlaelah and Minto Yuwono 2025. Pengaruh Loan To Deposit Ratio (LDR) Terhadap Non Performing Loan (NPL) Pada Perumda BPR Garut. MERDEKA : Jurnal Ilmiah Multidisiplin. 2, 3 (Feb. 2025), 464–475. DOI:https://doi.org/10.62017/merdeka.v2i3.4001.